Is it possible that my car insurance company here in Alaska won’t find out about my DUI conviction? If they do, will my car insurance policy automatically be canceled?

Afton

Anchorage, AK

There is a possibility that your auto insurance provider never finds out about your drunk driving conviction if you won’t have to secure yourself an SR22 insurance. A research has shown that as much as a quarter of DUI convictions will not be on motor vehicle records of drivers because of the deficiency of mutual information among courts and motor vehicle departments, or probably the DUI has been removed by way of another process like completion of driving school. There is also a big chance that your car insurance provider in Alaska will not know about your DUI if you have a reduced charge because of plea bargaining or had a short driver’s license suspension like 30 days.

In case your auto insurer overlooks your DUI when it comes to pass, they still have a number of years to increase your premiums if the conviction will be found out later. And if they do find out about it, your car insurance policy would not automatically be cancelled or not be renewed due to your conviction, but your premiums would definitely go up. Car insurance companies examine the premiums on a case-to-case basis, with a lot of factors like age, gender, driving record, make and model of the car going into your insurance cost.

My fiance obtained just recently his driver’s license. He is talking to his office mates to search for insurance quotes that cater to first time drivers. What are the possible factors that will affect his insurance rate?

Nicole

Anchorage, AK

There are various factors that may bring different insurance policy premiums. Your fiances age, sex, location of residency, civil status and driving record are among the immediate concerns of your prospective insurance provider in Anchorage , Alaska . With these factors into considerations, insurance providers give different insurance premiums to policyholders even if they wish to insure the same motor vehicles.

But usually, the case of sport utility vehicles (SUV) and other expensive car brands are different. Expensive vehicles, which have the high chance of theft and vandalism and are employed with expensive repair services, are expected to be priced with high insurance premiums. SUVs, because these are involved more often in roadway accidents compared with other car types and also have costly repairs, are also covered by high insurance premiums. But insurance providers have different schemes on how they price particular insurance policies and usually insurance providers varying experiences in their claim payouts are significant factors in the insurer’s premiums. For instance, an insurer that have been paying more than $750 for damages of SUVs covered in their policy will most likely charge higher premiums to future clients. Hence, the car brand is one factor; while the insurer’s experience with previous policyholders is another important factor. So, it is still best to get as many insurance quotes as you can and compare them before you decide which policy you will get.