Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 11, 2012

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Insurance Question from Horatio, AR

Asked on 06/11/2012

In the state of Arkansas do you get a break on you car insurance if you have never had a DUI? I have heard that you get a break you your car insurance if you have never had a DUI. Is this true.

Answer given on June 12, 2012

Each state and each insurance company in that state have rates filed through the Dept of Insurance outlining how they charge for tickets and accidents. Usually, the lack of a DUI conviction would be considered a positive in the area of rates, but there is not usually a specific credit given for not having a DUI. That should not be considered as a “break” on your rates, since DUIs should be the exception and not the rule in insurance rates.Drivers with no tickets or accidents are considered the best drivers and their rates usually reflect this. The longer you have a clean record the better your rates may be, especially if you have been insured with the same insurance company for a long period of time. Renewal discounts are a way insurance companies keep clients. There are additional discounts for having multiple policies with an insurance company along with other possible discounts. Check with your agent.


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