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Insurance after dui - how long before the cost goes down?

decsurvey

Posted 8:22 pm, 09/15/2009

There a a few companies that use to waive one DUI or DWI if it had been the only occurence on the driving record, but if another violation occured they would both be used to adjust the premium. GMAC (Integon) had such a company. I do not know if they still do. My statement comes from working in an insurance office for 2 years.

corey@race22.com

Posted 8:02 pm, 09/15/2009

Everyone that has one should not lose their license, some are not what you think they are. 4 years ago, I had a birthday party at my house for my girlfriend. Had about 15 friends over and I hadn't drank anything until late that evening, so my vehicle was one of the last ones in the driveway. We had a friend over who we have known many years, kinda odd fella in high school, but we took him under our wing and he turned out to be a really nice person. Well, I had a few beers, and by 10pm we needed something (chips,ice, can't remember) and our friend offered to drive to the store, he didn't drink. My car was the last in line and not blocked in, so i told him just to drive it so we didn't have to move cars, I was parked behind him. He left and came back with the stuff, and about 30min later he said he needed to go, he had to meet someone. Didn't think much about it, until, people started to leave about midnight and informed me that my car was in the ditch across from the house. My friend had backed my car staright into the ditch (no damage, just stuck), and guess he got scared to tell us and drove his own vehicle that was now not blocked in to the store and came back and said nothing. We tried to push it out, but with no luck. Everyone left by 1am, and I called a friend that owns a wrecker service, he said he would be about an hour and told me to go to bed, he would put it in the driveway. An hour later I had a knock at the door and thought it was him, it was not, it was the police. They had no trouble running the tags for an address as the residence was across the street. I told them what happened, not thinking much about it, I was in my underwear, had been asleep for and hour or so, and hadn't drank but maybe 4 beers all night. Then they asked if I had been drinking, and I got to thinking where this was going. They asked if I would take a breathalyzer, or course I said no, I wasn't driving a car nor had I been in the past 6 hours. Little did I know, refusing is the same as being found guily, so they toted me off to jail. The main cop was an a-hole, he had a rookie cop with him that knew what the deal was and so did the magistrate, but this guy was some big-wig and rammed up MADD's rear, he got some award every year for writing the most DUI tickets. After almost a year of getting court dates moved around and the thought of a lawsuit againt the city, I finally just plead out to get it over with, funny thing is, they gave me 24 hour driving priviledges, they just wanted the money anyway. So there ya go, not everyone with a DUI is a piece of crap, and I would never call our local police for any reason what so ever, I will take my chances handling things on my own. BTW, nobody has seen our friend or heard about him since this incident, guess he was weirder than we thought, he has seemed to disapear.

As far as insurance, call Progressive, my rate actually went DOWN after I got a DUI, I swear to you. I asked them 100 times if they were doing it right, they assured me yes, and I have been with them for 3 1/2 years now.

wcwcwc

Posted 7:08 pm, 09/15/2009

And, the ones that have lost their licenses for a while should not get to ride around on a moped either.

wcwcwc

Posted 7:07 pm, 09/15/2009

If people with Dui's, Dwi's etc.... would lose their license forever you would not have as many fatilities. It should be a law and hopefully one day it will be. To many innocent people have died because of ****s who drive drunk.

greeneyedbaby85

Posted 10:44 am, 09/15/2009

Check w/Hardy insurance in Elkin.. I know someone who had a dui, and she said that if it wasn't for them she wouldn't have been able to pay her insurance.

skitterjoe

Posted 9:32 am, 09/15/2009

48 YEARS. I BET YOU GET 2 CALENDERS A YEAR. HA HA JUST JOKING!!!! THEY ARE GREAT PEOPLE TO WORK WITH. I HAVE HAD TO FILE CLAIMS FOR BROKEN WIND SHIELDS AND I WOULD BE OUT OF STATE. THEY HANDLED EVERYTHING, AND MY CAR WAS FIXED BEFORE I STARTED HOME.

coalminer

Posted 9:15 am, 09/15/2009

Well, Thats a good start skitterjoe. We have been there 48 years LOL!

skitterjoe

Posted 8:35 am, 09/15/2009

I JUST CHECKED WITH MY AGENT, TO MAKE SURE I WAS CORRECT ON THIS ANSWER. NATIONWIDE COUNTS YOUR POINTS. FOR THREE YEARS FROM CONVICTION DATE. HOWVEVER YOU CANNOT GET THEIR BEST RATE FOR FIVE YEARS.

SOMETIMES LIFES EXPERIENCES COST US. HOWEVER, I AM GLAD TO HEAR THAT YOU HAVE GOTTON BACK ON TRACK.

NATIONWIDE NOW OFFERS 3 TYPES OF PAYMENT PLANS.

1 PAY FULL SIX MONTHS AT ONE TIME
2 PAY HALF AND THE OTHER HALF IN ABOUT 60 DAYS.
3 THEY NOW HAVE A MONTHLY INSTALLMENT.PLAN,

CALL DUNCAN INSURANCE 336-667-7111. I HAVE BEEN WITH THIS COMPANY FOR AROUND 25 YEARS. AND THEY HAVE ALWAYS BEEN TOP NOTCH. WHEN I NEEDED TO FI/LE A CLAIM OR WHATEVER.

mamaof2gr8kiddos

Posted 6:51 am, 09/15/2009

AIG insurance only holds it against you for 3 years, and after that your rates are back to normal...Nationwide on the other hand told me that it would be against me for 5 years. Keep in mind that the penelty period starts when you reinstate your insurance when getting your license back.

football55

Posted 2:18 pm, 09/14/2009

good luck premiums start going down after the third year,but you are still at a high risk for seven years.

observer

Posted 2:17 pm, 09/14/2009

3 years

paying the price

Posted 2:14 pm, 09/14/2009

I made a stupid mistake about a two years ago and got a dui on my driving record. I have had my license back for almost a year now, but the insurance cost is outrageous. I know I made the mistake and it would have been much worse for anyone involved if I had an accident. I am thankful that did not happen. I do not even drink now. I have not had a drop since then. I just would like to know if anyone on here can help me with some information, either from their own experience or someone they know. I do not know if I can keep paying this high of an insurance, since my hours have been cut from my job. Does anyone know the cheapest place to get insurance when you have a dui on your record? Also, does anyone know how many years it takes before your insurance rate goes down? Please, I am not looking for bashing. I am sorry for the mistake I made. I do not drink anymore. I am just looking for some information.

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