Reader’s Question:

My DUI conviction here in Houston two years ago had a negative effect on my car insurance. How long will it stay high and what can I do to have lower car insurance?

Gary

Houston, TX

The amount of time that your DUI can affect your car insurance rates in Houston depends on the guiding principles of your car insurance provider and the regulations of the state you live in. Different states have different laws regarding how long a DUI or DWI stays on your driving record. It could stay on your motor vehicle record (MVR) for as short as a few years to as long as 10 years depending on the state and the conditions concerning your DUI conviction. As long as your alcohol-related offense stays on your MVR, it is most probably to have an effect on your car insurance premiums.

Every car insurance carrier has their own means of assessing and rating drivers. To determine the amount of time your DUI will remain on your MVR, you can get in touch with the Department of Motor Vehicles (DMV) and to determine how long your present car insurance carrier would continue to give higher premium, get in touch with your car insurance agent.

To lower the payment for your car insurance, you have to shop around the car insurance market. You will discover that even if you have a serious DUI offense two years ago, there are other car insurance companies that can offer you reasonable fees for your coverage. You can do this by simply going online and visiting car insurance comparison quotes Websites. You can collect different car insurance quotes from them and choose the best one that has lower rates than what you pay right now.