Receive Kansas vehicle insurance quotes from multiple companies. Compare auto insurance rates and save.

Enter your zipcode for
a FREE auto Insurance
Quote


Zipcode 
Are you insured?

What a DUI will do to Your Auto Insurance Rates

To understand what a DUI will do to your auto insurance rates in Kansas, you need to understand Insurance companies.

Insurance companies provide financial relief in the event of an accident. To that end it is in their best interest if you do not have one. Insurance providers are particular about risk levels. Individuals who have high risk levels - which means the possibility of them getting involved in an accident is higher, will command higher rates than individuals who carry lower risk.

Risk is calculated in different ways. The three main factors involved are the matters concerning the environment - i.e population density in the area where you live, the details of your car - the more expensive the car, the higher the rate, the faster the car the higher the rate, and finally matters concerning you.

It is the later that we are currently concerned with.

In assessing risk based on an individual, insurance companies look for properties promoting or guaranteeing stability. In this vein a married man with children is likely to command less risk levels than a young unmarried bachelor. This is because a married man appears more stable. With the responsibility he has, he is less likely to go racing along the highway. These aren't confirmed certainties. There is no way an insurance company absolutely knows that a married man will not do something silly. But statistics show that the probability of a married man doing something silly is lower than that of an unmarried teen. And so they consider married couples as significantly "safer". In the same vein aspects of a person's life are taken into consideration. Insurance companies appreciate stability. They want you to be safe. They need you to be safe. The safer you appear to be the more comfortable they will become and your rates will remain relatively low.

What a DUI will do should now be obvious. A DUI will appear as bright red flag in the eyes of an insurance company. It basically announces "This guy here is prone to dangerous driving. Treat him accordingly". A DUI earns you an increase in risk factor. Insurance companies will worry more if records show that you have been driving under the influence. The reason is not hard to see. Intoxicated Driving is the cause of 50% of road accidents in the country. If you are going to do it, then it means the risks of you ending up at their desk requesting a claim is high and so they charge you for it. Your rates will fly up.

Insurance companies have no way of discerning the real nature of your character. All they have are public records and information to work on. It might well be that the 30 year old husband and father does in fact go joy riding, whilst the young bachelor stays home and practices on his guitar every night. None of this is knowledge available to insurance companies. What is available is what the records show and based on that they then make their calculations.

So now you know what a DUI will do to your insurance rates. It won't help them. The next time you're out taking a drink, think twice before driving home. Call a cab once you're done. If you are rash enough to drive; be shrewd enough not to get caught.
And try not to run into anyone. You don't want to know what that will do to your rates!

Compare Auto Insurance Quotes for Kansas

Allen County Auto Insurance
Linn County Auto Insurance
Anderson County Auto Insurance
Logan County Auto Insurance
Atchison County Auto Insurance
Lyon County Auto Insurance
Barber County Auto Insurance
Marion County Auto Insurance
Barton County Auto Insurance
Marshall County Auto Insurance
Bourbon County Auto Insurance
Mcpherson County Auto Insurance
Brown County Auto Insurance
Meade County Auto Insurance
Butler County Auto Insurance
Miami County Auto Insurance
Chase County Auto Insurance
Mitchell County Auto Insurance
Chautauqua County Auto Insurance
Montgomery County Auto Insurance
Cherokee County Auto Insurance
Morris County Auto Insurance
Cheyenne County Auto Insurance
Morton County Auto Insurance
Clark County Auto Insurance
Nemaha County Auto Insurance
Clay County Auto Insurance
Neosho County Auto Insurance
Cloud County Auto Insurance
Ness County Auto Insurance
Coffey County Auto Insurance
Norton County Auto Insurance
Comanche County Auto Insurance
Osage County Auto Insurance
Cowley County Auto Insurance
Osborne County Auto Insurance
Crawford County Auto Insurance
Ottawa County Auto Insurance
Decatur County Auto Insurance
Pawnee County Auto Insurance
Dickinson County Auto Insurance
Phillips County Auto Insurance
Doniphan County Auto Insurance
Pottawatomie County Auto Insurance
Douglas County Auto Insurance
Pratt County Auto Insurance
Edwards County Auto Insurance
Rawlins County Auto Insurance
Elk County Auto Insurance
Reno County Auto Insurance
Ellis County Auto Insurance
Republic County Auto Insurance
Ellsworth County Auto Insurance
Rice County Auto Insurance
Finney County Auto Insurance
Riley County Auto Insurance
Ford County Auto Insurance
Rooks County Auto Insurance
Franklin County Auto Insurance
Rush County Auto Insurance
Geary County Auto Insurance
Russell County Auto Insurance
Gove County Auto Insurance
Saline County Auto Insurance
Graham County Auto Insurance
Scott County Auto Insurance
Grant County Auto Insurance
Sedgwick County Auto Insurance
Gray County Auto Insurance
Seward County Auto Insurance
Greeley County Auto Insurance
Shawnee County Auto Insurance
Greenwood County Auto Insurance
Sheridan County Auto Insurance
Hamilton County Auto Insurance
Sherman County Auto Insurance
Harper County Auto Insurance
Smith County Auto Insurance
Harvey County Auto Insurance
Stafford County Auto Insurance
Haskell County Auto Insurance
Stanton County Auto Insurance
Hodgeman County Auto Insurance
Stevens County Auto Insurance
Jackson County Auto Insurance
Sumner County Auto Insurance
Jefferson County Auto Insurance
Thomas County Auto Insurance
Jewell County Auto Insurance
Trego County Auto Insurance
Johnson County Auto Insurance
Wabaunsee County Auto Insurance
Kearny County Auto Insurance
Wallace County Auto Insurance
Kingman County Auto Insurance
Washington County Auto Insurance
Kiowa County Auto Insurance
Wichita County Auto Insurance
Labette County Auto Insurance
Wilson County Auto Insurance
Lane County Auto Insurance
Woodson County Auto Insurance
Leavenworth County Auto Insurance
Wyandotte County Auto Insurance
Lincoln County Auto Insurance
Enter your zipcode for
your FREE Insurance
Quote

Zipcode 
Are you insured?


Atlanta | Boston | Chicago | Denver | Las Vegas | Los Angeles | Miami | Orlando | Phoenix | San Diego | San Francisco | Seattle
AL - AK - AZ - AR - CA - CO - CT - DE - FL - GA - HI - ID - IL - IN - IA - KS - KY - LA - ME - MD - MA - MI - MN - MS - MO - MT - NE
NV - NH - NJ - NM - NY - NC ND - OH - OK - OR - PA - RI - SC - SD - TN - TX - UT - VT - VA - WA - WV - WI - WY


Service may not be free in all areas
Copyright ©2018 OpenAuto, Inc., except vehicle information . All Rights Reserved.