What kind of penalties am I looking at if I get arrested for drunk driving here in Arizona?

Beatrice

Phoenix, AZ

A person caught having a Blood Alcohol Content (BAC) of 0.08% or higher, while driving or in actual control of a car, can and will be charged a DWI or Driving While Intoxicated offense in Arizona. Studies have shown that this level of BAC seriously impairs a person’s ability to drive effectively, therefore intensifying the risk of a drunk driving accident. Costly fined and heavy penalties can be expected, if convicted of a DWI. A DWI insurance policy for you – and your vehicle – is necessary in order to be allowed to drive again.

Here are some very important details about DWI penalties in the state of Arizona: 1st offense has $450 fine plus $500 DWI assessment fee, up to 10 days in jail and 30-360 days license revocation. 2nd offense: $900 fine + $1,250 DWI Assessment fee, 90 days in prison, and a suspended license for a year, offender would also need to shoulder the cost of installing a mandatory Interlock Ignition Device on the vehicle.

Third-time DWI offenders faces a fine of $1,350 + $250 DWI Assessment and another $1,500 for aggravated DWI assessment, 4 months in jail, 3 years license suspension and mandatory interlock ignition device on all vehicles owned.

The state would require someone finished serving a DWI conviction to get a DWI insurance coverage for themselves and all their vehicles, before driving privileges can be restored. The right kind of DWI insurance policy can protect you from huge financial burdens, should you get into or cause an auto accident in the future.

The good news is that getting an affordable DWI insurance policy in Arizona is now easier than ever! Thanks largely to the Web, and the countless online DWI and auto insurance specialists in it. By allowing fast and easy access to the latest auto insurance rates and offers, it now takes only a few minutes and a few mouse clicks away to get the best priced offers in the market today. With the web, you can get the right auto insurance at the right price, while saving yourself hundreds of dollars on insurance costs every year.

2 days ago I was charge with DWI and Im wondering what the penalty for that in Arizona. Will I lose my license? How much is the increase with my car insurance?

Franz

Chandler, Arizona AZ

Any driver in Arizona that has a Blood Alcohol Content (BAC) of 0.08% while driving or is in actual control of a vehicle can be convicted of a DWI or Driving While Intoxicated if caught. This level of BAC has shown to significantly impair a driver’s ability to effectively drive, making it more likely for a drunk driving accident to occur. Anyone convicted of a DWI can expect costly fines and jail time. One would also need to carry a DWI insurance coverage one he/she is allowed to drive again.

The state of Arizona has the following punishments for a DWI offender: $450 fine + $500 DWI Assessment, up to 10 days in prison, and 30 – 360 day license suspension for the 1st offense. $900 fine + $1,250 DWI Assessment, 90 days incarceration, and one year license suspension plus the need to install (at the offender’s expense) of an Interlock Ignition Device after the 2nd offense.

3rd time offenders are fined $1,350 + $250 DWI assessment and an additional $1500 Aggravated DWI assessment, 4 months incarceration, and three years license suspension. All vehicles owned by the driver must have the Interlock Ignition Device.

Getting the right kind of DWI insurance policy is important not only because it is a state requirement, but also because it can save you hundreds of dollars a year on your auto insurance coverage. The Web is a great resource for anyone looking to get the most affordable DWI insurance coverage today.

With the many dedicated online DWI specialists and auto insurance portals, these days it only takes a few minutes to access and compare the latest DWI insurance rates, coming from a variety of specialized auto insurance companies and providers, for the most affordable insurance policy in the market. These portals save you time and effort, while helping you get your life back on the road as quickly as possible.

I just got the specimen contract of my auto insurance here in Arizona, and I’m not happy yet with how my monthly premiums came out, can I still do something to lower my insurance rates?

Lois

Glendale, AZ

You have all the right not to stick to paying expensive auto insurance premiums there in Arizona. Anyone who is willing to put a little bit of extra effort can definitely find ways to lower the cost of auto insurance premiums, and there is no reason why you can’t be one of them. Here are a few tips and suggestions on how to get good value for your money when it comes to getting a car insurance policy:

1.Understand that you have choices – There are hundreds of auto insurance companies in the United States alone. Most people don’t realize (or realize but don’t act on it) that they can actually shop around and compare auto insurance rates to get the most competitive offers available. The popularity of the Internet as a channel for auto insurance providers to directly market to consumers have made searching for good rates far easier and faster.

2.Bank on a good driving history – If you have been driving accident and violation free for the last three or five years, look for a provider that give good driver discounts.

3.Learn to drive safely – Taking accredited Defensive Driving classes will actually make you eligible for further discounts.

4.Tell your kids to study well – If you have kids and they are doing well at school, ask around to see which provider can give you a Good Student Discount which is available in most states.

I hear a lot of car owners here in Arizona that I can be able to save some money on my auto insurance if I switch companies, how true is this?

Lamar

Tempe, AZ

Some drivers may have already experienced switching auto insurance companies and got a lot of savings. However, not only a number of car owners in Arizona say that you can save some money by switching auto insurance providers but also the insurance providers themselves. It is likely that you have already encountered some advertisements that make this kind of claim. The reason behind this claim is because auto insurance is an extremely competitive industry and one of the most proven ways to lessen auto insurance premiums is to simply shop around. Motorists must go with an insurance provider that will give a reasonable price together with outstanding service.

On the other hand, the premiums for the same auto insurance policy from the same insurance provider are established by the law. These premiums are permitted by the state of Arizona and could not be adjusted by an insurance agent. Because of this, you could not get a better premium for the same policy just by having another agent or by trying to negotiate the charges. An excellent plan is to make a decision on the insurance coverage and options that you need and get as much quotes that you can from different companies and compare them to get the best premiums.

It’s nearing the end of my auto insurance coverage and I don’t know if I should find another insurance company or stick with my current insurance company. What advice can you give me that I should do when the time comes that I have to renew my policy?

Carmen

Coconino, AZ

If you are renewing your auto insurance policy, your first alternative is to not pay your renewal once it arrives. The auto insurance company would think that you will not take time to look for other auto insurance provider so your renewal quote is probably not competitive. In this case, you should shop around for the best deal available because you may save as much as 50% is you review policies from other insurance providers. It’s also not true that the smaller companied would give you the best rates, large companies could also be competitive.

Moreover, if you have an older car that doesn’t have too much value, collision coverage is may be a waste of your money so you can just go with the basic insurance. You must also inquire to your insurance agent about diminished value because your auto insurance provider could think that the value of your car is less than what you know it is. You must be sure to also inquire about the state’s legal statutes for diminished value.

I have already spent a lot of money in the course of my DUI trial but I was unlucky to still be convicted. How will my DUI conviction here in Arizona affect my auto insurance rate?

Kaleb

Peoria, AZ

Having a DUI in Peoria, Arizona could be a challenging experience for you. As you may understand, your DUI could mean that you would have to pay for it long after you have been sentenced. As a matter of fact, DUI affects your auto insurance and that’s because your driving record would show that you have a DUI conviction. If you will buy auto insurance from a certain provider, it normally asks and reviews your driving record and they will find out about your DUI. If you are renewing your insurance policy, the insurance company will also review your driving record so that they can determine your insurance rate.

Your DUI conviction can affect the rate of your insurance because insurance providers could consider you a higher risk driver. Points will often be added to your driving record due to your DUI and if the insurance providers review your history, they could charge you more if you have more points than the average motorist. Some auto insurance providers could not even give you coverage because of your DUI. Check for quotes from this website to get auto insurance after your DUI.

My auto insurance policy has been cancelled because of my drunk driving charge. Can I get my insurance reinstated within the same company or shall I go ahead and find a new one?

Victor

Scottsdale, AZ

After an auto insurance company has cancelled your policy because of your drunk driving charge in Scottsdale, Arizona, you could find it difficult to purchase auto insurance from another company. In cases like cancellation of auto insurance policy due to not paying the premium on time, you might be able to get your auto insurance reinstated with the same company if you otherwise have a good record. In such cases, a lot of insurance companies would require you to pay the full annual premium upfront if you have a history of missing premium payments.

But your case is different because your auto insurance policy has been cancelled because they considered you high risk due to your drunk driving charge. Your auto insurance company may not be willing to reinstate your policy so it’s time for you to look elsewhere for coverage. There are a lot of auto insurance companies that are willing to sell policies to high-risk policyholders. It may be a higher price, but it will be a better deal so it will be worth it. Try to get an online rate quote now to check out what’s waiting for you for your auto insurance.