Kalispell, Montana
673 1st Ave West N
Kalispell, MT 59901
406-756-2500

How a DUI Affects Your Car Insurance Rates July 12, 2016

Kalispell, Flathead
How a DUI Affects Your Car Insurance Rates, Kalispell, Montana

Being convicted of a DUI is enormously expensive, with costs that continue long after your legal matters have been settled. One of those unavoidable expenses is a rise in your car insurance premiums, as insurers take your new driving record into account. As The Insurance Exchange, the premier provider in Montana's Flathead Valley explains, you should expect your DUI conviction to keep costing you for at least a few years.

car insuranceEven drivers with a previously spotless record will suddenly find themselves in a new category of insurance carriers. Drinking and driving is one of the riskiest behaviors a driver can participate in, so a conviction will make most companies automatically consider you a high-risk motorist. Your insurance premiums will reflect this with higher rates, even on low-deductible policies.

Furthermore, you might also be required to file an SR-22, a proof of financial responsibility demonstrating your continued car insurance coverage. Oftentimes, your insurance carrier will file it for you, but this added burden comes at a cost. The length of time during which you'll have to carry SR-22 insurance varies from state to state and depends on your charge, but it will certainly come at a price.

As an independent insurance agency, The Insurance Exchange maintains relationships with many of the nation's leading carriers, giving them a wide range of auto insurance policies to choose from. Even if you've been convicted of a DUI, they will find you the cheapest insurance available to fit your needs, so visit the website, or call (406) 756-2500 for car insurance quotes today.

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