Driving while under the influence is never a smart decision. Along with the real possibility of injuring or even killing another human being, there is the matter of what one or two convictions will do to the ability to secure and maintain Auto Insurance in Austin TX. Assuming the court does not order the individual to not get behind the wheel again, here is what will happen over the next few years.
Some Companies Will Drop the Coverage
Car insurance providers take on a certain amount of risk when they choose to extend coverage. At some point, the provider may decide the client is not responsible enough to be considered a good risk. The result is that the policy is either terminated immediately as a result of the DUI convictions or is not renewed when the current term ends. That means the search for a new source of Auto Insurance in Austin TX will get underway.
Higher Premiums
Even if the current provider does choose to retain the individual as a client, expect the premiums to increase. That increase is to offset the risk the insurer is taking on because of the poor driving record. While it’s true that the affect of the DUI convictions will eventually fade, expect at least a few years of higher premiums.
The same is true if the current policy is canceled and the driver must turn to high-risk insurance providers for coverage. The days of maintaining insurance while paying competitive rates are over. At best, the driver will have to put up with the higher costs and make it a point to not be involved in any more infractions for the next several years. After that point, a record that has been clean for a long time will make it easier to once again enjoy lower premiums.
Choosing the right auto insurance provider is not always easy. The best approach is to talk with someone who can help compare and contrast different plans. Contact Patrick Court today and spend some time going over the options. Doing so will help the client make a good choice today and may pave the way for locking in something better in the years to come.
