Whenever you have a conviction on your driving record for impaired driving, you’re going to have to pay high insurance premiums. Drinking and driving is a serious offense in Canada and insurance companies do not like to see this on people’s driving records. When someone does this once, it proves that they are irresponsible and a danger to other drivers on the road. Even though this might have been a one-time thing, insurance companies don’t know that and they don’t want to risk it. Due to this reason, you can expect to pay some pretty substantial insurance premiums to get insurance with an impaired driving ticket on your record.
- 1 How Expensive Are Insurance Rates for Drunk Drivers?
- 2 What Are the Consequences of Getting a DUI?
- 3 How Can You Get Insurance after a DUI?
- 4 Can An Insurance Company Cancel Coverage after a DUI?
- 5 What Is the “Back on Track” DUI Program?
- 6 How Can I Lower My Insurance Premium after a DUI?
- 7 How Long Does A DUI Stay on Your Insurance Premium?
- 8 To Conclude
How Expensive Are Insurance Rates for Drunk Drivers?
Insurance rates for people who have been caught drinking and driving are way higher than your average insurance premium. For someone who was paying around $2000 a year, you can expect that your insurance will rise to as high as $10,000 a year. This equals as much as five times your original insurance price. Your premium increase partially depends on your insurance company, but you can expect to see some pretty substantial increases in your insurance premium. There are many people who have been caught impaired driving who are no longer able to afford insurance as a result of the high insurance premiums.
What Are the Consequences of Getting a DUI?
There are some pretty major consequences for getting a DUI in Canada. You are most likely going to have to attend some kind of a treatment program. This helps with lowering the chances that you will not get a DUI again in the future. In all likelihood, you’re also going to have your car impounded, face a large fine and potentially jail time. Whenever you get a DUI, you’re going to have to have an ignition interlock device installed onto your vehicle. In order to be able to start up your vehicle, you will have to blow into the interlock device to ensure that you don’t have alcohol in your system. In some circumstances, you might have your insurance canceled on you by your insurance provider. Depending on what you did when you got charged with a DUI, you also might get some charges and a criminal record.
How Can You Get Insurance after a DUI?
It is definitely a little more difficult to get insurance after you have a DUI. Usually, you’re going to have to shop around at a few different insurance companies to get a policy. You may have to contact high-risk insurance companies. A regular insurance company might not want to take on that much risk. It is likely that a DUI is going to label you as a high-risk driver, so you might only be able to get insurance from a high-risk auto insurance company. Your best bet to get the cheapest insurance policy is to contact numerous insurance companies for a quote.
Can An Insurance Company Cancel Coverage after a DUI?
Yes, your insurance company can certainly cancel your insurance coverage after you get a DUI. Insurance companies are actually allowed to cancel your insurance coverage whenever they want to. However, they will have to send you a notice to tell you that they’re canceling your insurance policy. During this time, you’re going to want to contact multiple insurance companies to try set up a new policy. Try your best to set up a new policy before your old policy is canceled. This will ensure that you do not have a lapse in insurance coverage.
What Is the “Back on Track” DUI Program?
The back on track program is a mandatory program you have to take in Canada if you’re convicted of a DUI. The program has a $475 cost plus tax. The program is in place to help people who have been convicted of a DUI fix their problem so that they do not repeat their mistake. This program has to be completed during your 90-day license suspension. If you do not complete this program within your 90-day suspension, you can receive a longer license suspension.
How Can I Lower My Insurance Premium after a DUI?
There are not a lot of ways that you can lower your insurance premium after a DUI. No matter what you do, you’re going to have a high insurance premium for a while. You do have the option of taking advantage of some insurance discounts regardless of the fact that you have a DUI. You should be able to do things like pay your premium upfront, which can result in a discount, bundle house and automobile insurance as well as lower your insurance coverage. The less your insurance company has to pay when you get into an accident, the lower your insurance premiums are going to cost. However, no matter what you do, you’re still going to have to pay a lot of money for auto insurance. The risk of an insurance company having to pay out liability is greatly increased once you have a DUI.
How Long Does A DUI Stay on Your Insurance Premium?
Unfortunately, a DUI can have an impact on your insurance rates for quite some time. A DUI stays on your record for at least three years from the date you were convicted. When you get at DUI, you also receive an automatic license suspension. The license suspension is a substantial one that lasts for 90 days. This will increase your insurance premium for at least six years even if your DUI is thrown out in court. Although this is unfortunate, it does help to reduce the number of impaired drivers on the road. The consequences for impaired driving are very severe and this certainly helps to deter some people from driving with alcohol in their system.
It is never good to have a DUI on your driver’s record. However, there are lots of drivers in Canada who do have this on their driver’s record. You should be able to get insurance one way or another. However, insurance companies will see this on your driver’s record and assume you are a high-risk driver to insure. Any driver who has a substantial ticket such as a DUI could have a hard time with an insurance company. You might have to contact multiple insurance companies to be able to set up a policy. The more insurance companies you try, the better the chance you have of getting a low insurance premium.