Alaska Auto Insurance After DUI
Reader’s Question:
Will my current auto insurance here in Alaska increase immediately after I get convicted for DUI? How long would I have to pay those higher auto insurance rates?
Galen
Anchorage, AK
Unless your auto insurance policy in Alaska is already up for renewal, your premiums will not increase immediately after a DUI conviction. In general, an auto insurance company runs a check on your motor vehicle record (MVR) if they are renewing your auto insurance policy or if you are a new customer. Once your auto insurance provider notices your DUI, it’s the time that your premiums will increase. Depending on the state laws and the rating systems of the auto insurance companies, your premiums will be affected for a period of three, five or seven years, or as long as the conviction is on your Department of Motor Vehicles (DMV) record if the insurance laws in Alaska allow it.
Because of a DUI conviction, auto insurance premiums are likely to increase substantially and you will be considered as a high risk driver by auto insurance companies. On average and depending on the guidelines of your auto insurance provider, the increase on your premiums is 30%.
Your DUI would have a negative effect on your auto insurance as you will be placed in a higher risk group and your rates could stay higher on a number of years after your conviction. But that doesn’t mean you can’t do anything about it because you can still shop and compare auto insurance quotes to find the most manageable rates.
DUI in Alaska
Reader’s Question:
What are the penalties for dui in Alaska? This is my second offense.
Bill
Anchorage AK
In the state of Alaska, a DUI or Driving Under the Influence offense is both a very serious and very costly offense. DUI is still among the top reasons for most collisions, deaths, and accidents on America’s roads up to this day. Anyone convicted of a DUI charge can expect heavy punishments. Getting auto insurance for DUI offenders is a must if one wishes to get back on the road again.
Let’s give you a better idea of what to expect after a DUI conviction in Alaska: First offense fined $1,500 and a 72 hours in jail, 90 day license revocation. 2nd offense: $3,000 fine, 20 days in jail and 1 year license suspension. 3rd offense: $4,000 fine, 60 days in jail, 3-year license suspension. 4th offense: $5,000 fine, 120 days in jail, 5-year license revocation. 5th offense: $6,000 fine, jail time of 240 days, 5-year license suspension. Consecutive offenses face $7,000 in fines, 360 days incarceration, and a suspended license for five years.
Getting an affordable auto insurance for DUI is a fact of life after a drunk driving conviction. It’s a really bad idea to allow anyone with a DUI charge on his or her records to drive a car without appropriate auto insurance coverage. Doing so will not only cause you to lose your license and pay bigger premiums, if caught, but can seriously undermine your financial bottom-line should you get into (or cause) an auto accident.
The good news is that getting the best auto insurance for DUI in Alaska is now easier than ever, thanks to the Internet! With many auto insurance companies and DUI insurance specialist offering services on the Net, as well as the abundance of DUI and auto insurance portals, anyone can get the latest auto insurance rates and offers available on the market today absolutely free.
It only takes a few moments of your time, with a small bit of effort, to compare prices from among the many auto insurance providers catering to those with DUI records. Done well, the right kind of coverage can save you hundreds of dollars annually, while keeping you protected on the road.
Drunk Driver Insurance in Alaska – Will My Insurance Company Find Out?
Reader’s Question:
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.
Do I Need DUI Auto Insurance In Alaska?
Reader’s Question:
I was convicted for DUI here in Alaska and I need to have a DUI insurance because I am getting back my license soon. Is it okay for me to just retain my current auto insurance and buy insurance for my DUI from another company?
Kalem
Anchorage, AK
Most of the time, DUI insurance would be given as a standard policy with higher rates. Other auto insurance companies offer DUI insurance in addition to a standard policy like when adding uninsured driver coverage or other kinds of additional coverage. The auto insurance provider should inform the Department of Motor Vehicles (DMV) that the person convicted for DUI has insurance so that the driver’s license suspension could be removed. If the motorist has stopped the auto insurance policy, the insurance provider is accountable for informing the DMV about that and the license will be suspended again.
It would be okay for you to retain your current auto insurance and buy a DUI insurance from another company. By doing this, your auto insurance provider will not find out about your DUI conviction in Anchorage, Alaska and your premiums won’t increase. But this is risky because most insurance providers regularly check on their customers’ record. Try and enter your zip code to get a quote for your DUI insurance from this website.