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.
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.
DUI Charge Caused Your Auto Insurance Rate To Increase?
Reader’s Question:
My dad has an auto insurance policy in affect, but after his DUI charge will it affect his annual premium?
Jane
Anchorage, AK
If your dad is currently enrolled in an auto insurance and had that policy in effect, then you don’t have to worry for now. Most insurance companies, especially in Alaska where driving and road regulations are stricter, may do random driving records check. If they find out that their member got arrested or convicted with a DUI, they would either not renew your dad’s contract upon policy expiration or increase premium rates and deductibles. There are several High Risk companies that may take you. These are what we call non-standard companies and usually offer triple increase on premium rates as well as deductibles.
If he is currently enrolled in a preferred insurance company, tell him to sit tight and try to avoid such DUI cases and don’t make any waves. He should keep his premium payments on time and do not let it be canceled. He can check other insurance companies that are not High risk that can offer him better rates for better coverage. But beware that there may be insurance companies that writes new policies that needs to order his driving record and find out about previous driving tickets and DUI cases if there’s any. This may create a huge impact on the cost of the policy. He can check through this web site for available post DUI insurance policies.