Get Indiana 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 Indiana, 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!

Affordable Auto Insurance - Compare Quotes

Adams County Auto Insurance
Lawrence County Auto Insurance
Allen County Auto Insurance
Madison County Auto Insurance
Bartholomew County Auto Insurance
Marion County Auto Insurance
Benton County Auto Insurance
Marshall County Auto Insurance
Blackford County Auto Insurance
Martin County Auto Insurance
Boone County Auto Insurance
Miami County Auto Insurance
Brown County Auto Insurance
Monroe County Auto Insurance
Carroll County Auto Insurance
Montgomery County Auto Insurance
Cass County Auto Insurance
Morgan County Auto Insurance
Clark County Auto Insurance
Newton County Auto Insurance
Clay County Auto Insurance
Noble County Auto Insurance
Clinton County Auto Insurance
Ohio County Auto Insurance
Crawford County Auto Insurance
Orange County Auto Insurance
Daviess County Auto Insurance
Owen County Auto Insurance
Dearborn County Auto Insurance
Parke County Auto Insurance
Decatur County Auto Insurance
Perry County Auto Insurance
DeKalb County Auto Insurance
Pike County Auto Insurance
Delaware County Auto Insurance
Porter County Auto Insurance
Dubois County Auto Insurance
Posey County Auto Insurance
Elkhart County Auto Insurance
Pulaski County Auto Insurance
Fayette County Auto Insurance
Putnam County Auto Insurance
Floyd County Auto Insurance
Randolph County Auto Insurance
Fountain County Auto Insurance
Ripley County Auto Insurance
Franklin County Auto Insurance
Rush County Auto Insurance
Fulton County Auto Insurance
Saint Joseph County Auto Insurance
Gibson County Auto Insurance
Scott County Auto Insurance
Grant County Auto Insurance
Shelby County Auto Insurance
Greene County Auto Insurance
Spencer County Auto Insurance
Hamilton County Auto Insurance
Starke County Auto Insurance
Hancock County Auto Insurance
Steuben County Auto Insurance
Harrison County Auto Insurance
Sullivan County Auto Insurance
Hendricks County Auto Insurance
Switzerland County Auto Insurance
Henry County Auto Insurance
Tippecanoe County Auto Insurance
Howard County Auto Insurance
Tipton County Auto Insurance
Huntington County Auto Insurance
Union County Auto Insurance
Jackson County Auto Insurance
Vanderburgh County Auto Insurance
Jasper County Auto Insurance
Vermillion County Auto Insurance
Jay County Auto Insurance
Vigo County Auto Insurance
Jefferson County Auto Insurance
Wabash County Auto Insurance
Jennings County Auto Insurance
Warren County Auto Insurance
Johnson County Auto Insurance
Warrick County Auto Insurance
Knox County Auto Insurance
Washington County Auto Insurance
Kosciusko County Auto Insurance
Wayne County Auto Insurance
Lagrange County Auto Insurance
Wells County Auto Insurance
Lake County Auto Insurance
White County Auto Insurance
LaPorte County Auto Insurance
Whitley County 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.