HIGH RISK. LOW COST.

DWI Car Insurance in Sun Prairie, WI

If you’ve recently received a violation for drinking and driving, your car insurance rates will go up. Finding the cheapest car insurance, you can after a DUI will take diligence if you attempt to do it on your own. But when you work with Action Insurance Agency, we identify the best options for you among the options that are available in your area. Even if your DUI was a one-time mistake that you never intend to happen again, insurers will consider you a high risk driver. This means that you are considered more likely to file an insurance claim when compared with others for at least a few years. Shopping around for auto insurance quotes can be very tedious and it is difficult to know if you have looked at every option available to you. We are here to help.

After a DUI Conviction

Where you live makes a big difference in how much your car insurance costs, and this can be compounded after a DUI conviction. Comparing rates for the minimum required car insurance coverage in ten states for drivers with a recent DUI conviction, it is clear that no matter where you live that your rates will go up. The ten states researched contain more than 50% of the U.S. population, according to the U.S. Census Bureau’s latest estimates. To get an accurate assessment, they are also among the most expensive and least expensive states for general car insurance.

Average prices varied dramatically for a 40-year-old driver with a DUI, as the range between two states shows:

  • $614 per year in the state with the least expensive options
  • $4,848 per year in the state with the most expensive coverage

The state known for being one of the most expensive states for car insurance, even for drivers who don’t have a DUI, also has high rates for high risk drivers. However, the how much it costs for insurance after a DUI varies widely among the other states looked at, regardless of the cost for general auto insurance. For drivers with a clean record, average rates for the minimum required coverage in each state are about five times as high in some states versus the less expensive states. To get a better understanding of what this type of coverage will cost for you, contact us today and we will answer any questions you may have.

Cheapest Insurance After DWI

To find the cheapest insurers for drivers with a recent DUI, we look at the providers that are available to you in your area. The nation’s five largest private auto insurance companies are Allstate, Geico, Progressive, State Farm and USAA. However, USAA only insures active military members, veterans and their families and is not available to non-military individuals.

We’ve ranked the largest companies, excluding USAA, from cheapest to most expensive based on average annual prices and we also remain informed on the other providers that may be able to offer policies that save you money. It’s important to remember that the largest insurance companies aren’t your only options. In your area, smaller statewide and regional insurers often have the least expensive rates.

About Monona, WI

Monona was incorporated as a village in 1938 and was originally part of the Town of Blooming Grove. Before this, the area had consisted mainly of farmland and summer homes. With more private homes and businesses being developed in the area, it became time to incorporate. After becoming a village, the area developed many public services including fire and police protection, street maintenance, and the planning and development of sewer and water utilities. During the 1950s, the village grew from a small town to upward of 8,000 residents. During that decade this made it the fastest growing area in the state.

The rapid growth in population made it necessary to expand the village’s facilities and services. The village built a community center and adjacent swimming pool in an area easily accessible to residents in 1963. The first public library was built in the village in 1967. After Monona became a city in 1969, a City Hall building was built across from the library. The building was designed to house all city operations including the police and fire departments.

Growth continued and there was a significant increase in commercial development in Monona in the 1960s. Monona annexed a substantial number of properties in the 60s and 70s for industrial, commercial and residential applications. In the 1980s Monona became landlocked by the City of Madison and the bodies of water that surround the area.

The area continued to grow and expand and previously undeveloped parts of Monona were developed and continue to grow today. With the completion of a major U.S. interstate highway in the area, the city continues to work to find the most suitable ways to develop and redevelop the city. Careful planning will continue into the next millennium as the city seeks to balance the interests of businesses, city government, potential developers and current residents. Also, environmental and economic concerns are being carefully balanced to ensure a healthy future for Monona and its residents.

DUI Insurance Companies

The car insurance company that was cheapest for you before your DUI may not necessarily be the cheapest one for you afterward. Some companies may not be able to provide you with high risk insurance at all. The least expensive car insurance company in one area may not be the cheapest in another.

After an alcohol related infraction, it’s important to spend the time to find the best auto insurance rate for you or you could pay a lot more than you should.

How Long are Rates Affected?

You’ll have to endure higher car insurance rates after a DUI for at least three years, and in some areas up to five years is required. States vary on how long they require DUI offenses to stay on your driving record. Insurance companies can vary widely on how much and how long your rates are effected for the infraction on your record. In some states a DUI can stay on your record for as long as 10 years. During the high risk insurance time period, a good driver discount cannot be obtained.

SR22 Form and DUI Conviction

Your insurer will have to file an SR22 form with the state’s motor vehicle or insurance department proving you have car insurance after your DUI conviction. In most states the form is used to notify the state that you have purchased at least your state’s minimum requirement auto insurance in this situation. If you’re ordered to file this form, you must purchase the state minimum for coverage and maintain it through the time period required for your SR22.

Not all insurers will file this form for their customers. If you are required to have an SR-22 form you’ll need to find an insurance company like Action Insurance Agency that specializes in this type of service.

Cheap Insurance After DWI

After a DUI, your car insurance company considers you a high-risk driver. Your premium will definitely increase, and your current company might even decide not to continue to cover you. If this is your situation you should contact Action Insurance Agency for advice. The items listed below can help with the process.

  • Start your car insurance search quickly. The threat that your policy might be canceled means you should start getting auto insurance quotes immediately after your DUI. This gives you time to compare rates. We can save you time by doing this for you.
  • Use comparison tools. Factors such as where you live, your age and your credit score will affect your premium. Although these tools exist online it is best to work with a company like us to do the comparisons for you to get you into the best policy available.
  • Get multiple quotes. Companies vary greatly in how they price policies. The only way to find the cheapest rate is to get car insurance quotes from several providers. When you work with us, we get all of these quotes on your behalf to find the most savings for you.
  • Shop again three and five years later. Rates after a DUI tend to drop after these milestones, and other insurance companies might become cheaper when you are no longer considered high risk. Again, when you work with us we will do the comparison shopping for you using all the tools we have to do so.

Alternatives After a DUI

Some companies may deny coverage to drivers they consider too be too high of a risk after a major infraction, including those with a DUI. Many big insurance companies have subsidiaries set up specifically to serve high-risk drivers, and some smaller companies like Action Insurance Agency cater especially to this market. After a DUI, it’s a good idea to get rates from these specialty carriers as well as from the larger carriers. When you work with us you can be assured that we have looked at every option available to you.

If you can’t find a company willing to insure you because of your driving record, look no further. This is our specialty.

DUI or DWI?

In most cases, driving under the influence (DUI) and driving while intoxicated (DWI) are interchangeable. In some states they use DUI and others favor DWI and use it exclusively. A number of states even use other terms such as OUI (operating under the influence).

In some jurisdictions they issue both DWIs and DUIs. In these states, DWI usually refers to alcohol impairment while a DUI charge may be issued for those who are impaired through some other means such as prescription  or illegal drugs.

Higher Premiums for DUI

The amount you pay for auto insurance depends on what your insurer deems your risk level is of being in an accident. Drunk driving is considered to be incredibly risky and dangerous. The National Highway Traffic Safety Administration tells us that in 2014 drunk driving cost nearly ten thousand people their lives.

Alcohol affects the central nervous system and impairs driving ability, slowing reaction times and concentration while affecting our ability to monitor speed. This is  a very dangerous combination and it is a recipe for accidents to occur. Research shows that because of these effects, those with a .09 blood alcohol concentration (BAC) or greater are more than ten times more likely to be involved in a fatal crash when compared with completely sober drivers.

Every state makes it illegal to drive with a blood alcohol concentration of .08 BAC percent or higher. The penalties for a DUI offense are stiff. State laws vary, but most states, at the very least, levy a fine and suspend or revoke driving privileges for a period of time.

Insurance Rates After a DUI

If you are convicted of a single DUI offense it will significantly affect your car insurance rates. There are no exceptions to this rule. There’s no forgiveness for a DUI or DWI without a penalty. If you’ve been convicted of driving under the influence, then your insurance prices will increase anywhere from 30% to 100%. With a range like that it is so important to work with a company like us that looks into every option for you in this situation. In the eyes of your insurance company, you’ve demonstrated that you’re a greater risk than someone who has never been caught while driving under the influence. Typically, a DUI will affect car insurance prices for three to five years. The DUI will always be on your record and does not go away. However, your car insurance company might look the other way after up to seven years after the offense occured. When you apply for car insurance quotes the application may ask you, “Have you been convicted of driving under the influence (DWI/DUI) in the last five years?” This is because insurers determine whether or not to insure you and how much your coverage will cost taking into account this information.

Not all insurance companies treat DUIs as strictly as others. Many people are surprised to find that with some insurance companies your auto insurance may only increase by a minimal amount after a DUI. With other insurance companies, your premiums can increase by as much as 100%. That’s why you may want to work with a company that can provide you with all of the best options for car insurance after your DUI conviction. That company is us. Being convicted of a DUI will not only negatively impact your auto insurance rates, but it can also be quite expensive for other reasons.  Apart from the increase in your insurance rates, we have listed some of the other expenses you might be looking at if you get a DUI.

Expenses Resulting From DUI

  • Bail-out Free: $250 – $2,500
  • Fines and Court Costs: $500 – $2,500
  • Attorney Fees (average): $2,500-$5,000
  • Towing Fee: $300 – $1,200
  • Electronic Home Monitoring (in extreme cases): $150 – $2,250
  • Ignition Lock (in extreme cases): $730 – $2,800
  • Mandatory Education and Treatment: $350 – $2,000

Avoiding Expensive Rate Hikes

The simplest way to keep your rates low is to not drink and drive in the first place. There are several alternatives to driving while under the influence. DUI/DWI’s can have an immense impact on your life and the lives of others. In addition to it costing you a tremendous amount of money it could also be responsible for injuries or death for you and others. Significant property damage can also occur if you get in to an accident. Many people don’t quite understand the impact of a DUI until it happens to them. You should never want to find out what it’s all about. It’s best to choose to be responsible and to keep from putting your life, or the lives of others, at risk.

If it’s already too late and you have already been charged and found guilty of driving under the influence, it’s not the end of the world.  There are many ways you can still get affordable auto insurance rates and we keep ahead of what all is available to you to save you the most money in this situation. The best way to ensure you do not pay to much money is to compare auto insurance quotes. When you work with us, we have already spent the time to identify and compare all of the options that are available for you.

If you are looking for DWI car insurance in Monona, WI, choose the company that knows high risk insurance better than the rest. Contact a helpful Action Insurance Agency agent today!

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