One way to get cheap South Dakota car insurance is to maintain a clean driving record. Being involved in an accident or getting a number of tickets makes a driver more risky to insure. Another factor that may lead to higher insurance rates is to get stopped for a DUI (Driving Under the Influence) or DWI (Driving While Intoxicated) charge.
In South Dakota, a person whose BAC (Blood Alcohol Content) is below the legal limit of 0.08 can still be charged with an offense if the individual could not operate his or her vehicle safely. A person who is in physical control of a motor vehicle can also be charged; simply sitting in the driver’s seat while intoxicated and having the keys can lead to legal consequences and higher insurance rates.
The charges don’t have to lead to a conviction to affect a person’s car insurance. Once the incident appears on a person’s driving record, he or she will lose 10 points. At the 15 point level, the driver’s license will be suspended.
A suspension for any reason will likely put the driver into a higher risk category for insurance purposes. The person’s current insurance company may refuse to renew the policy at all or if it does agree to extend coverage, it may be at a much higher rate. A DUI or DWI stop means qualifying for cheap car insurance in South Dakota may no longer be an option.