How bad is it gonna be the effect on my auto insurance here in Alabama if I get convicted of drunk driving or DUI?

Harvir

Dothan, AL

DUI can greatly affect your auto insurance in Alabama as your rates can go up by a considerable amount. DUI Law and the ratings systems of auto insurance companies in your state may be different from other states but if you get convicted for DUI, your auto insurance payment could double. Also, you can only get your driver’s license back after your DUI conviction if your auto insurance provider has presented the Department of Motor Vehicles (DMV) that you have the required SR22 form.

As already mentioned, DUI laws vary from one state to another, but in general, a DUI conviction would have an effect on your auto insurance for at least three years. However, if the DUI Law in your state lets an auto insurance provider to have a longer ‘look back’ period, it could have an effect on your auto insurance premiums for five or even seven years.

Your auto insurance rates will only be affected if you get convicted for DUI since you will already be considered as higher risk by auto insurance companies. Some insurers may not even cover you if you already have a DUI conviction on your record. Aside from the higher risk that you have to them, some of them do not offer SR22 so you have to switch to an insurer that offers this.

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I’m looking into going with another car insurance company here in Alabama because they say that I’d be able to save that way. Also, could you give me some other ways on how to get cheap liability insurance?

Saul

Birmingham, AL

Switching car insurance companies is one of the recommended ways on how to get cheap liability insurance, most especially if you have not filed a claim with your current car insurance carrier. If you decide to do this, all you need to do is to inform your car insurance company about it. You have to cancel your old car insurance policy on the same day that you go with another company. However, don’t cancel your old car insurance policy if you don’t have a new car insurance plan yet. This is very crucial because some states would charge you some fines for the number of days that you don’t have insurance.

Bear in mind that most car insurance companies could terminate your plan whenever you like by notifying them in writing specifying the date you’d like to terminate your policy or you could do it by calling them on the phone.

To make sure that you get cheap liability insurance in Alabama, choose the insurance payment plan that best fits your budget. A number of car insurance companies would let you pay over time but it would be more than what you have to pay had you chosen to pay on an annual basis. You would have to pay a few dollars everytime you make a payment through an installment plan. Car insurance companies have payment plans on a monthly, quarterly, bi-annually, whichever is most convenient for you.

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Please correct me if I am wrong in saying that the auto insurance company will pay for everything in case I’ll be in an auto accident. Also, could you give me one great advice on how to reduce my auto insurance payment here in Alabama?

Larry

Tanner-Williams, AL

It would be great if your auto insurance company in Alabama would pay for everything in case you get involved in an auto accident. But unfortunately, that is not the case because there are some things that you would have to cover out of your own pocket in an accident even though you have auto insurance coverage. The first on the list would be the deductibles which is the amount that you have approved to pay out from your own pocket before your auto insurance covers for the rest. Then, there can also be exclusions on your auto insurance policy like property damage that you have deliberately caused to other people. Also, you need to cover any payments for which you are accountable that go beyond the limits of your auto insurance coverage you are eligible to get under your policy.

One great advice that I can give you to reduce your auto insurance payment is that you have to shop around for your coverage. Auto insurance rates for the exact same coverage on the same vehicle could differ greatly among auto insurance companies. The perfect opportunity to seek other options is when your coverage is about to expire, but of course, you could shop and switch insurance companies anytime you’d like.

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