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The consequences of having a DUI on one's record can be severe. Not only does it lead to legal penalties, but it also affects one's ability to obtain affordable car insurance. Insurers often classify drivers with DUIs as high-risk, resulting in higher premiums or even denial of coverage altogether. According to a study by the Insurance Information Institute (III), drivers with a DUI conviction can expect their auto insurance rates to increase by as much as 80% or more compared to those without such a conviction. This substantial increase in premiums can strain household budgets and make it difficult for individuals to maintain adequate coverage.
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