After having a North Carolina DUI or DWI, the best place to start looking may be for non-standard auto insurance. Non-standard auto insurance is intended for high risk drivers that are unable to obtain standard insurance. Depending on your specific circumstances, you may still be able to obtain standard North Carolina DUI auto insurance. The premium is usually higher if this is the case.
Companies that specialize in non-standard auto insurance should also be able to handle the SR-22 form if you live in a state that requires this to be filed. This will be the place to search for insurance after you have a North Carolina DUI or DWI.
How can I save money on North Carolina auto insurance after a DUI or DWI?
A DUI and DWI are considered the highest risk activities in the eyes of the insurance companies. If you have one of these on your record in North Carolina, it may take a while before you can find insurance at a desirable price. There are still ways to keep the costs down or save money over time on your North Carolina DUI insurance. A DUI and DWI can stay on your North Carolina driving record for up to 10 years. You will want to absolutely avoid getting another one of these violations. Aside from the additional court costs and fees, it may be nearly impossible to find a North Carolina insurance company to insure you with two drunken driving violations on record.
If you maintain a good driving record, your insurance rates may decrease over time. Depending on the insurance company, you may be able to save money by attending driver’s education courses. You will want to comply with anything that is ruled by the court including safety or alcohol classes.
The most important thing is to drive safely and to avoid any North Carolina traffic violations at all costs. With a DUI or DWI, you are automatically deemed a high risk driver. With the violation staying on your record for an extended period of time, you will not want to add negative items to your driving record.