Even the most careful drivers make mistakes once in a while. A DUI conviction has far-reaching consequences, including changes to an individual's auto insurance. Providers may rescind their coverage while others may require the driver to obtain SR-22 insurance. In all cases, however, the rates will increase for several years. But, there are ways to mitigate the insurance costs after a conviction occurs. 

What Happens to Your Auto Insurance After a DUI in Tennessee?

Insurance companies determine rates by measuring risk. Even one DUI conviction will mark a driver as a high-risk. The insurer may drop a motorist if the risk is too high, though they are most likely to rescind someone's policy if they attempt to cover up the DUI. If one occurs, it's best to alert them directly and quickly, lowering the likelihood of policy termination. 

Auto insurance rates will increase between 28% and 371%, depending on the provider and the state. As of 2020, Tennessee has a mild hike of 46%, translating to an extra $723 a year. Tennessee keeps the DUI on record for 10 years, which will likely affect the rates for at least three to seven years. In some cases, they'll stay high for more than seven years, especially for those with a poor driving history. 

After a DUI, you may need to file an SR-22 document to have your license reinstated. SR-22 forms are provided by the insurer and submitted to the Tennessee Department of Safety (DOS). They prove you have auto insurance that can cover injuries or property damage in an accident that's your fault. Since SR-22 insurance is for high-risk drivers, the rates are higher than in a standard auto policy. It may be a requirement for up to five years after the DUI conviction. 

How Can You Lower Your Auto Insurances Rates After a DUI?

Take an online defensive driving course following a DUI. Even if it's not court-mandated, completing an accredited class may entitle you to a discount. 

If possible, drive less often. Many companies now reward low-mileage drivers by lowering their rates, since decreased travel means a lower likelihood of accidents. 

Further decrease your rates by adding car safety features like anti-lock brakes, automatic seat belts, and anti-theft devices, which reduce the chances of filing claims. Even if one is filed after an accident, the safety features will lessen the claim's value. 

High-risk drivers may have difficulty finding the auto insurance coverage they need. In Cookeville, TN, Lafever Insurance Agency is always ready to help motorists get the second chance they deserve. For over 30 years, they've provided SR-22 coverage to drivers who need help repairing their records. As independent insurance agents, they can search their vast network of providers to find you the customized plan you need at an affordable rate. For more information on their coverage areas, visit their website. To schedule an appointment with one of their knowledgeable agents, call (931) 526-3377.