My brother has just gotten his driver’s license back after his DUI conviction here in Alabama. I see that he’s so worried about his auto insurance because he said that it will increase tremendously, is this true?

Nate

Mobile, AL

Well, if there is one thing that can make an auto insurance premium rise through the ceiling, it would be a driving under the influence (DUI) conviction. Apart from the risk of causing injury or death to yourself and others, drunk driving has severe consequences from your auto insurance provider.

Car insurance providers could review your motor vehicle record (MVR) only once in three years or at the time of application for a new car insurance policy. There is a possibility that accidents, tickets and drunk driving convictions will not pass their way to your brother’s official MVR. But in the event that his auto insurance provider in Alabama finds out about his DUI and tags him as a high risk driver, he still has the option to shop around for auto insurance because premiums differ widely among car insurance providers.

Then again, a premium increase could be the least of your brother’s difficulties because his car insurance could be terminated or not be renewed, especially if he is in a preferred rate class at the moment. Then he would be pushed to find new auto insurance coverage with two unpleasant conditions with him — his DUI conviction and car insurance policy cancellation under his belt.

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What’s the best way to save on car insurance expenses if you have teenage drivers? My kids just got their driver’s license here in Alabama and I don’t know how this will affect our rates.

Jemal

Montgomery, AL

Congratulations on your kids passing their driving tests and getting their first, real touch of independence, their Driver’s License. Now comes the hard part, how to keep your auto insurance costs in check while making sure that your teenagers are adequately protected while on the road. It is a known fact that teenagers, once added to their parents auto insurance policy, will cause the said policies rates to significantly increase. If you are not aware why, teenagers are considered by auto insurance providers to be “High-Risk” drivers, getting involved in more car accidents as compared to more mature drivers wh have more experience on the road.

Here’s the good news, there are ways to offset the costs the added costs of teenagers on your insurance rates there in Alabama, here’s a few tips:

1. Good Student Discounts
Now is a great time to encourage your kids to study better, most insurance companies provide Good Student Discounts for students who are performing academically well (at least an Average of B).

2. Defensive Driving Lessons
Did you know that taking accredited defensive driving lessons will qualify you for additional discounts towards your insurance premiums? It also has the added perk of teaching you the skills to become safer and responsible drivers.

3. Get A Higher Deductible
You may choose to get a higher deductible on your insurance coverage to lower your regular insurance premium, and offset the costs of teenage drivers on your car insurance.

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