Originally Posted by Fdetrana
One other thing I understand 1 point falls off your record every 18 months so will my rates begin to get better after 18 months? So if I flew under the radar for 1 year then I would only have 6 months of 2 points on my record?
It doesn't work that way.
I'm not familiar with how California DMV handles violation points. but regarding insurance rating, it doesn't matter anyways.... how your state DMV scores points on violations, and how insurance companies weigh severity of the same violations are two different animals. companies take the info listed on your MVR, but they assign their own points/severity to each violation as they see fit. thus insurance violations vary greatly from one company to the next, and are independent of how the state DMV weighs them.
in general, most companies stop penalizing for DUI's after three years. but other companies go back as far as five years.
on a side note, you will be surprised to learn that a DUI is not the kiss of death with non standard companies like it can be with many standard companies... as an example, out of my four largest non standard carriers, all four of them weigh DUI's either less than or about equal to what they weigh speeding, stop sign & red light tickets (in fact, one carrier doesn't penalize for a DUI at all if that's the only violation. they get the same rate as someone with a clean record)... I know that doesn't make much sense, but I think it's because of the high competition in the non standard market for DUI customers.