How to Reduce Car Insurance Rates after a DUI
Learn about DUI charges in NC and how the DUI Insurance Guy can help you find inexpensive car insurance after an arrest.
Inexpensive Car Insurance After Your DUI Arrest in NC
What Is a DUI in NC?
To be considered driving under the influence (DUI) of alcohol in NC, you must have a blood alcohol concentration (BAC) of .08 or higher. Driving with any amount of a Schedule I, II, III, IV, or V controlled substance present in your bloodstream is considered driving while intoxicated (DWI). Commercial drivers are intoxicated if their BAC is .04, and underage drivers are intoxicated when their BAC is .02.
Car Insurance After DUI Charges in NC
Losing your car insurance coverage may be part of your DUI consequences in NC. If your insurance policy was canceled after your first-offense DUI in NC, you may want to consider an insurance company that insures high-risk drivers. You might be able to lower your DUI cost in NC by finding affordable insurance rates.
Lower Your Auto Insurance Rates
All drivers can reduce their car insurance premiums by driving an older vehicle that costs less to insure and by improving their driving records and credit scores. You can also take a defensive driving course. Naturally, a second and third DUI on your driving record increases your insurance premiums.
When Is a DUI a Felony in NC?
Aggravating factors, including multiple DUIs within the last seven years, driving on a suspended license, and inflicting bodily harm or killing someone while driving while intoxicated, make a DUI a felony. Also, if you endangered children in the car with you, you may be charged with a felony DUI. An ignition interlock device may lower your insurance payments after your aggravated DUI arrest in NC.
Car Insurance Exclusion for DUI Accidents
Even if their policyholder was judged reckless or grossly negligent, auto insurance providers pay for accidental damage due to their policyholder’s negligent behavior. However, car insurance companies always refuse to pay for injuries as a result of their insured’s deliberate criminal misconduct.
Insurance companies may deny coverage of accidents caused by their drivers who deliberately drink and drive. Additionally, the insurance company may refuse to pay medical bills and property damage claims of accident victims after their insured’s DUI conviction in NC.
Car Insurance Quotes in NC
The DUI Insurance Guy can help you find low insurance rates after a DUI. Whether your DUI conviction in NC is your first or a felony, I can get you insurance through an at-risk insurer. Contact me today for more information.