how long does a dui stay on your insurance record in ohio
Do you live in Ohio and have been convicted of a DUI? If so, you’re likely wondering how long a DUI stays on your insurance record. Well, you’re in luck – this article is about to break down that very question.
First off, one of the most important things to know is that a DUI will remain on your insurance record in Ohio for three years. This means that for a full three years, your insurance rates will be substantially higher. This higher cost is in place to help cover the cost of extra risk due to the DUI. Plus, it also incentivizes drivers to avoid any further DUI convictions in the future.
But what about after the three-year period? Will your insurance record always show the DUI? Sadly, the answer is yes: after the three years are up, the DUI will remain on your record for as long as you keep your insurance policy. And to make matters worse, some companies even use their own voluntary seven-year “lookback” period when they review your DUI. Meaning, even after the three years are up, if you apply for a new policy, your DUI may still be visible in their eyes.
So, what should you do if you’re facing insurmountable insurance costs due to a DUI? The best thing you could do is to take preventative measures before the three-year period ends. Get a copy of your driving record from the Ohio Bureau of Motor Vehicles (BMV) and make sure that the DUI conviction is listed correctly – that way if you ever apply for a new policy, you won’t have any discrepancies hurting your chances at an affordable rate.
You could also reach out to an insurance agent. These insurance professionals have much more insider knowledge than the common consumer and can give you suggestions on how to save on your insurance – like raising your deductible, bundling your policies, or asking for discounts. It doesn’t hurt to ask, so be sure to make the call!
Additionally, if you want to get the most for your money, it’s wise to shop around for the best policy fit right when the three-year DUI mark passes. Different companies have different rules and regulations, so make sure to compare in depth before you settle on one. This way you can get the best possible rates.
Finally, although it’s not easy, it’s important to stay focused and take the long view. At the end of the day, maintaining a DUI-free record is the key to keeping your insurance costs low. It can definitely be hard, but if you stay the course, you’ll be back to normal rates in no time.
One way to keep your insurance rates low is to focus on preventive measures before the three-year DUI period is over. You can do this by getting a copy of your driving record from the Ohio Bureau of Motor Vehicles (BMV) and making sure that all of the information on the record is listed correctly. This will help ensure that if you ever apply for a new policy, you won’t have any discrepancies that could negatively impact your chances of getting an affordable rate.
Another option is to reach out to an insurance agent. These professionals have more knowledge about the industry, so they can help you find the best policy and the best rate. Ask for discounts and bundled policies that can lower the cost of your premiums, and make sure to compare policies before settling on one.
You should also consider investing in safe driving classes. Some companies will offer smaller premium discounts to drivers who take safety classes, or even waive surcharges due to prior DUIs. Its worth looking into if you want to save on your premiums.
Its important to remember, though, that prevention is the key when it comes to keeping your insurance rates low. Even if you do take protective measures, you still have to maintain a DUI-free record. It can be hard work, but the results will pay off in the end.
In Ohio, there are other options to lower your insurance rates as well. Good, safe drivers may qualify for low cost auto insurance programs, which could help offset the high cost of a DUI on your insurance record. Additionally, some insurers offer individualized plans with lower rates tailored to your history and needs.
To get the most for your money when shopping for car insurance, its important to research all of the available discounts and options. Take advantage of any discounts you’re eligible for, and make sure to ask about any additional coverage options that may help in the event of an accident.
Finally, answer every question on the application accurately and honestly. If any information is found to be incorrect or misleading, you may be denied a policy or be liable for any extra charges that occur. A good tip is to read every form before signing to ensure that you are answering all questions to the best of your knowledge.
Overall, living in Ohio with a DUI on your record can be difficult. But, by taking these tips into consideration, you can manage your insurance premiums and keep your rates affordable. Take the time to research your options, compare different policies, and get discounts whenever possible. With a bit of effort, you can still make sure you’re getting the most for your money.