If you have a history of drunk driving, you may be required to install an interlock device in your vehicle. This device measures your blood alcohol content (BAC) and prevents you from starting the car if it detects alcohol. If you are required to have an interlock device, it is important to understand how it affects your car insurance.
What is an Interlock Device?
An interlock device is a small breathalyzer that is installed in your vehicle. Before you can start the car, you must blow into the device to measure your BAC. If your BAC is above a certain level (usually 0.02%), the car will not start. The device also requires additional tests while you are driving to ensure that you remain sober.
Why Do I Need an Interlock Device?
If you have been convicted of driving under the influence (DUI) or driving while intoxicated (DWI), you may be required to install an interlock device in your vehicle. This is often a condition of having your driver’s license reinstated. The goal of the interlock device is to prevent you from driving while intoxicated and to keep the roads safe for other drivers.
How Does an Interlock Device Affect My Car Insurance?
If you are required to have an interlock device, it will likely have an impact on your car insurance premiums. Insurance companies view drivers with DUI or DWI convictions as high-risk, and the interlock device only adds to that risk. As a result, you can expect to pay higher premiums for car insurance.
How Much Will My Car Insurance Cost with an Interlock Device?
The cost of car insurance with an interlock device will depend on a number of factors, including your driving history, the type of vehicle you drive, and the insurance company you choose. In general, you can expect to pay significantly higher premiums than someone without a DUI or DWI conviction.
What Can I Do to Lower My Car Insurance Rates with an Interlock Device?
While it may be difficult to find affordable car insurance with an interlock device, there are a few things you can do to lower your rates:
- Shop around: Get quotes from multiple insurance companies to find the best rates.
- Choose a higher deductible: A higher deductible can lower your monthly premiums.
- Drive safely: Avoid accidents and traffic violations to keep your driving record clean.
Conclusion
If you are required to have an interlock device in your vehicle, it is important to understand how it affects your car insurance. While you can expect to pay higher premiums, there are steps you can take to lower your rates. By shopping around, choosing a higher deductible, and driving safely, you can find affordable car insurance with an interlock device.
