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How DUI/DWI Charges Affect Your Philadelphia Car Insurance Rate

In terms of traffic laws, the state of Pennsylvania is quite tough and definitely stricter in big urban centers like Pittsburgh, Philadelphia and York. The legal limit of Blood alcohol Concentration in the state of Pennsylvania is 0.08% and exceeding it is illegal for you to take a drive. Even by just sitting behind the wheels of your car with the keys in the ignition, you can be arrested for DUI if your BAC is above the legal limit. First time offenders are dealt with a bit of lenience if they meet the required guidelines. A conditional license is given provided the offender accepts a brief license suspension. However, it only enables you to drive to and from work and to rehabilitation. Driving hours and venues are limited. In some cases, you can only drive during a specific time of the day.

How do such charges affect the rates of your car insurance in Philadelphia? Each driver licensed by the state of Pennsylvania has a ‘motor vehicle record’ updated every three years. Even if your insurance company considers you to be a safe driver, it will tag you as a high-risk driver immediately after your conviction leading to higher premium rate.

Car insurance is profitable as long as you keep paying the premium without making any claims. For high-risk drivers, the probability of a claim being made is definitely high. In Pennsylvania, the insurance company has the option to reject your insurance plea by choice and terminate the agreement if you are charged with DUI.

However, the state has designed a particular number of carriers to provide coverage to drivers who find it tough to obtain Philadelphia car insurance by making a provision of the Assigned Risk Policy. They are not much different in terms of coverage and must surely carry the minimum coverage as per the rules of the state of Pennsylvania. It is made available to all with the driving record not necessary in acquiring such a policy. However, it is very expensive one may have to pay twice the minimum amount.

If you are slapped with the offence of driving under the influence of intoxicating substances like alcohol and drugs, it is best for you to seek professional help regarding your car insurance policy. Most of the big and national level companies discreetly avoid insuring high-risk drivers. However, there are a few smaller city-based and state-based firms that may agree to do so. DUI and DWI charges stay on your record for only a few years. After which you can apply for newer and cheaper auto insurance in Philadelphia.

We all know that prevention is always the best option. The DUI and DWI laws are framed for our own safety and it is our duty to uphold them.

If you are looking for car insurance quotes, simply enter your zip code at the top of this webpage. We will provide you with a number of quotes to choose from.