Q: Will my rates raise if I get drunk driver auto insurance?

A: Depends. They usually do, but in some cases they don’t. Sometimes the car insurance companies never even find out, unless you live in a state which requires you to file an SR22 with your drunk driver auto insurance (most people do). In other cases, you may have such wonderful qualities that your drunk driver auto insurance has hardly an effect on your costs.

For one, if you have been with a company for a long time, then they are less likely to charge you more after one offense, even if it’s something like drunk driving. You might have also, after being with your company for all of those years, earned yourself a a forgiveness, which allows them to ignore something on your record–these are typically for at fault accidents, but with some companies they can also be applied to things such as speeding tickets and drunk driving convictions.

Another thing which might do you well in the long run is a position as preferred customer. Preferred policy holders are the ones who have the perfect driving records, and if you manage to make it that high up, then it’s hard to make you fall, even with drunk driver auto insurance.