How a DUI affects your car insurance rate isn’t straightforward and can depend on a variety of factors. At Brock and Poole Insurance Agency, serving Collierville, TN and the surrounding area, we understand that you need auto coverage to meet your individual situation. Here’s a look at how a former DUI charge can affect your car insurance premium.
Higher Risk Means Higher Rates
If you have been convicted of a DUI, you are considered to be at a higher risk of being an unsafe driver and therefore will see a rate hike in your auto insurance. The circumstances of your DUI conviction and whether or not you were a minor can play a role in how much your auto insurance rate increases. In the state of Tennessee, the blood alcohol content for those over age 21 is .08% and for minors is .02%.
Length of Time After a DUI Affects Rates
A DUI offense stays on your criminal record for the rest of your life in the state of Tennessee. The point at which you can once again be eligible for a safe driver discount is determined on a case-by-case basis.
However, if you exhibit safe driving, your insurance rates will become less of a reflection of your former DUI with each passing year. Keep in mind that there are other factors that influence your auto insurance rate, such as your credit score. By managing your credit card payments and improving your credit, over time, you are likely to see lower car insurance premiums.
At Brock and Poole Insurance Agency, serving Collierville, TN and the surrounding area, we will help you find a rate to meet your needs. If you would like more information about how your DUI can affect your car insurance premium, give us a call today at 901-854-9775.