Different companies use different time periods for rating. Most companies only go back 3 years for rating but some use a 5 year period.
There are lots of insurance companies who will insure a person with a DWI charge on their record. A DWI is the same number of points as one at fault accident or three minor speeding tickets. It counts as 3 points with most companies. Now not all insurance companies will take you with a DWI charge but most companies will and the increase is not as much as you think it will be. I suggest that you go to a couple of independent insurance agencies in your area and see who like the best. Independent agents represent several different insurance companies who do well in your area and they can shop around for you and give you the best rate. Best of all, when your record cleans up they can move you to a preferred insurance company with even better rates.
The insurance companies in this state find out about DWI convictions the next day when the state computers update all the records.
No. If you have any DUI's or DWI's on you record, you would be seen by the insurance companies as a driving risk and would not get low rates.
That's a personal opinion but the person who is driving under the influence, not not at all that person's insurance shouldn't have to pay for it. If there was a victim involved, that other person's insurance company should pay the victim and maybe arrange for the person with the DWI to pay them back, or if so the person who did the DWI pays the victim.
Most insurance companies pay a claim based on your coverages, not on whether or not you got a DWI charge. I have only seen one company that was for religious clients and non-drinkers that had their clients sign a pledge not to drink and had penalties if you were charged for DUI or DWI.
no.
You can go to dmv.com to search for auto insurance by checking the DWI box.
DWI
DWI or DUI car insurance is simply car insurance for those who have a DWI or DUI offense on their driving records. These people are perceived as a higher risk by the insurance industry, so these policies are more expensive and offer less coverage.
In the state of New York, a DWI will affect your insurance for a period of 40 months. However, you really can't be driving when you lose your license because of a DWI anyway.
Yes
Only if you had an accident that their insurance had to pay for.