Sunday, July 26, 2009

Insurance Costs for a California DUI

California DUI attorneys try their best to keep clients' insurance fees down if they can. There a number of expensive costs arising out of drunk driving in California. $10,000 (or more) is a common total. Getting the right California DUI criminal defense lawyer is the starting point for trying to minimize any ultimate expenses.

One of the most costly California DUI conviction consequences is a raise in insurance premiums.

January 1, 2007, California began new DUI reportability. Due to multi-states sharing information under the Interstate Compact, ramifications are far-reaching. If you get a DUI in 1 state but are licensed in another, you're not off the hook.

A California DUI conviction will likely affect your insurance rates for at least 3 to 5 years.

What kind of increase? Double, triple, even quadruple raise in rates. A number of insurance companies such as State Farm will move you to a subsidiary or different part of the company which exclusively handles high risk insurance.

Funny, a number of insurance companies will drop you even upon a California DUI arrest, regardless of any drunk driving conviction.

If you have been dropped and need insurance in California, try John MacDonald Insurance Company in Irvine, California. Their reputation is superb.

If your policy is not presently renewed, you may have to try to find insurance someplace else or see whether your state has an assigned-risk pool. Either way, you will likely pay big for it. Illinois estimates that the high-risk insurance costs average an additional $1,500 a year for 3 years.

The reason it's 3 years is because most insurance companies look at records for at least 3 years and sometimes for 5 years. To begin rebuilding your reputation, you must keep your record further clean; not even speeding tickets or other traffic infraction convictions.

The real fiscal impact of a California DUI does not conclude after 3 years. Realistically, you must go as many as 5 more years, conviction and accident-free, to return to a preferred insured with lowest premiums or maybe ones you previously had. 8 years and up is the number many insurance experts reckon that the DUI can affect you. That total cost: $4,000-5,000 and higher depending on a number of insurance company variables. There are a number of ways you can save on insurance.