Get Phoenix, AZ auto insurance quotes. Save money when you compare car insurance rates

Enter your zipcode for
a FREE auto Insurance
Quote


Zipcode 
Are you insured?

What a DUI will do to Your Auto Insurance Rates

To understand what a DUI will do to your auto insurance rates in Phoenix, AZ, you need to understand Insurance companies.

Insurance companies provide financial relief in the event of an accident. To that end it is in their best interest if you do not have one. Insurance providers are particular about risk levels. Individuals who have high risk levels - which means the possibility of them getting involved in an accident is higher, will command higher rates than individuals who carry lower risk.

Risk is calculated in different ways. The three main factors involved are the matters concerning the environment - i.e population density in the area where you live, the details of your car - the more expensive the car, the higher the rate, the faster the car the higher the rate, and finally matters concerning you.

It is the later that we are currently concerned with.

In assessing risk based on an individual, insurance companies look for properties promoting or guaranteeing stability. In this vein a married man with children is likely to command less risk levels than a young unmarried bachelor. This is because a married man appears more stable. With the responsibility he has, he is less likely to go racing along the highway. These aren't confirmed certainties. There is no way an insurance company absolutely knows that a married man will not do something silly. But statistics show that the probability of a married man doing something silly is lower than that of an unmarried teen. And so they consider married couples as significantly "safer". In the same vein aspects of a person's life are taken into consideration. Insurance companies appreciate stability. They want you to be safe. They need you to be safe. The safer you appear to be the more comfortable they will become and your rates will remain relatively low.

What a DUI will do should now be obvious. A DUI will appear as bright red flag in the eyes of an insurance company. It basically announces "This guy here is prone to dangerous driving. Treat him accordingly". A DUI earns you an increase in risk factor. Insurance companies will worry more if records show that you have been driving under the influence. The reason is not hard to see. Intoxicated Driving is the cause of 50% of road accidents in the country. If you are going to do it, then it means the risks of you ending up at their desk requesting a claim is high and so they charge you for it. Your rates will fly up.

Insurance companies have no way of discerning the real nature of your character. All they have are public records and information to work on. It might well be that the 30 year old husband and father does in fact go joy riding, whilst the young bachelor stays home and practices on his guitar every night. None of this is knowledge available to insurance companies. What is available is what the records show and based on that they then make their calculations.

So now you know what a DUI will do to your insurance rates. It won't help them. The next time you're out taking a drink, think twice before driving home. Call a cab once you're done. If you are rash enough to drive; be shrewd enough not to get caught.
And try not to run into anyone. You don't want to know what that will do to your rates!

Phoenix, AZ Auto Insurance Quotes

85001 Auto Insurance
85039 Auto Insurance
85002 Auto Insurance
85040 Auto Insurance
85003 Auto Insurance
85041 Auto Insurance
85004 Auto Insurance
85042 Auto Insurance
85005 Auto Insurance
85043 Auto Insurance
85006 Auto Insurance
85044 Auto Insurance
85007 Auto Insurance
85045 Auto Insurance
85008 Auto Insurance
85046 Auto Insurance
85009 Auto Insurance
85048 Auto Insurance
85010 Auto Insurance
85050 Auto Insurance
85011 Auto Insurance
85051 Auto Insurance
85012 Auto Insurance
85053 Auto Insurance
85013 Auto Insurance
85054 Auto Insurance
85014 Auto Insurance
85055 Auto Insurance
85015 Auto Insurance
85060 Auto Insurance
85016 Auto Insurance
85061 Auto Insurance
85017 Auto Insurance
85062 Auto Insurance
85018 Auto Insurance
85063 Auto Insurance
85019 Auto Insurance
85064 Auto Insurance
85020 Auto Insurance
85065 Auto Insurance
85021 Auto Insurance
85066 Auto Insurance
85022 Auto Insurance
85067 Auto Insurance
85023 Auto Insurance
85068 Auto Insurance
85024 Auto Insurance
85069 Auto Insurance
85025 Auto Insurance
85070 Auto Insurance
85026 Auto Insurance
85071 Auto Insurance
85027 Auto Insurance
85072 Auto Insurance
85028 Auto Insurance
85073 Auto Insurance
85029 Auto Insurance
85074 Auto Insurance
85030 Auto Insurance
85075 Auto Insurance
85031 Auto Insurance
85076 Auto Insurance
85032 Auto Insurance
85078 Auto Insurance
85033 Auto Insurance
85079 Auto Insurance
85034 Auto Insurance
85080 Auto Insurance
85035 Auto Insurance
85082 Auto Insurance
85036 Auto Insurance
85083 Auto Insurance
85037 Auto Insurance
85085 Auto Insurance
85038 Auto Insurance
85086 Auto Insurance

Aguila Auto Insurance
Mesa Auto Insurance
Arlington Auto Insurance
Morristown Auto Insurance
Avondale Auto Insurance
New River Auto Insurance
Buckeye Auto Insurance
Palo Verde Auto Insurance
Carefree Auto Insurance
Paradise Valley Auto Insurance
Cashion Auto Insurance
Peoria Auto Insurance
Cave Creek Auto Insurance
Queen Creek Auto Insurance
Chandler Auto Insurance
Rio Verde Auto Insurance
Chandler Heights Auto Insurance
Scottsdale Auto Insurance
El Mirage Auto Insurance
Sun City Auto Insurance
Fort McDowell Auto Insurance
Sun City West Auto Insurance
Fountain Hills Auto Insurance
Surprise Auto Insurance
Gila Bend Auto Insurance
Tempe Auto Insurance
Gilbert Auto Insurance
Tolleson Auto Insurance
Glendale Auto Insurance
Tonopah Auto Insurance
Goodyear Auto Insurance
Tortilla Flat Auto Insurance
Higley Auto Insurance
Waddell Auto Insurance
Laveen Auto Insurance
Wickenburg Auto Insurance
Litchfield Park Auto Insurance
Wittmann Auto Insurance
Luke Air Force Base Auto Insurance
Youngtown Auto Insurance
Enter your zipcode for
your FREE Insurance
Quote

Zipcode 
Are you insured?


Atlanta | Boston | Chicago | Denver | Las Vegas | Los Angeles | Miami | Orlando | Phoenix | San Diego | San Francisco | Seattle
AL - AK - AZ - AR - CA - CO - CT - DE - FL - GA - HI - ID - IL - IN - IA - KS - KY - LA - ME - MD - MA - MI - MN - MS - MO - MT - NE
NV - NH - NJ - NM - NY - NC ND - OH - OK - OR - PA - RI - SC - SD - TN - TX - UT - VT - VA - WA - WV - WI - WY


Service may not be free in all areas
Copyright ©2018 OpenAuto, Inc., except vehicle information . All Rights Reserved.