How Accidents Can Affect Your Car Insurance

If you’re in a high-risk category it can be difficult to get a cheaper rate on your car insurance. The car you drive is usually a factor, as some are deemed safer than others, but it will primarily depend on your record. If you’ve had points on your license for any reason, it can be problematic for you in the future.

If you try to go for auto-renewal, your car insurance company won’t be able to offer you the same rates you started with. In fact, you’re looking at about a three year period before your rates might go down. The best thing to do is to avoid this situation in the first place, but there are some things you can do.

You could try increasing your deductible (what you pay after you file a claim and your insurance kicks in). You might be able to take advantage of other discounts for example if you drive less than 10,000 miles per year you could qualify. 

If you’re facing DUI charges you might be able to appeal the suspension of your license with the help of a qualified defense lawyer. This could not only prevent your license from being revoked but also your car being fitted with an ignition interlock device (IID). This is a preventive measure put in place which has been very effective. Tamperings with the breathalizer-type device attached to your dashboards are considered Ignition Interlock Start up Violations. To explain further, here is an outline of the procedure of IID reinstatements. 

Infographic Design By Ignition Interlock Start up Violations