Car insurance is a necessary expense for all drivers, but it can be even more challenging to find affordable coverage if you are required to use an interlock device. An interlock is a breathalyzer that is installed in your car to prevent you from driving if you have been drinking alcohol. If you have been convicted of a DUI or DWI, you may be required to use an interlock device as part of your probation or to regain your driving privileges.
What is an Interlock Device?
An interlock device is a small breathalyzer that is connected to your car’s ignition system. Before you can start your car, you must blow into the device to measure your blood alcohol content (BAC). If your BAC is above a certain level, the car will not start. In most cases, the threshold is set at 0.02%, which is lower than the legal limit for driving under the influence in most states.
Why Do People Use Interlock Devices?
Interlock devices are typically used by people who have been convicted of a DUI or DWI. In some cases, they may be required to use an interlock device as part of their probation or to regain their driving privileges. Interlock devices are designed to prevent people from driving while under the influence of alcohol, which can help to reduce the number of accidents and fatalities caused by drunk driving.
How Does Using an Interlock Device Affect Car Insurance?
Using an interlock device can affect your car insurance in several ways. First, it may be a requirement for you to obtain car insurance if you have been convicted of a DUI or DWI. Second, your insurance rates may be higher because you are considered a high-risk driver. Third, some insurance companies may not offer coverage to drivers who are required to use an interlock device.
How Can You Find Car Insurance with an Interlock Device?
Finding car insurance with an interlock device can be challenging, but there are several things you can do to make the process easier. First, you should shop around and compare rates from several different insurance companies. Second, you should look for insurance companies that specialize in high-risk drivers. Third, you should consider getting a policy with a higher deductible to help lower your monthly premiums.
What Factors Affect Car Insurance Rates for Drivers with Interlock Devices?
Several factors can affect car insurance rates for drivers with interlock devices. These include your driving record, the type of car you drive, your age and gender, and your location. In general, younger drivers and male drivers are considered higher risk, and drivers with a history of DUI or DWI convictions will pay higher rates.
Conclusion
Car insurance with an interlock device can be challenging to find and may be more expensive than traditional car insurance. However, it is a necessary expense if you want to regain your driving privileges after a DUI or DWI conviction. By shopping around and comparing rates from several different insurance companies, you can find affordable coverage that meets your needs.
