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What Is The Difference Between A DUI and DWI For Auto Insurance Quotes?

There is possibly nothing more damaging to your driving record than being convicted of a DUI or DWI. Getting auto insurance quotes from many different auto insurance carriers is the best way to try to bring down the cost of your insurance premium. Although for some states, a DWI and a DUI can be synonymous for one another, there are other states which use the terms to indicate the degree of intoxication and they can mean lesser or greater offenses.

Both DUI and DWI are legal terms that define a motor vehicle as driving while impaired by other controlled substances or alcohol. DWI is an acronym for driving while intoxicated while DUI stands for driving under the influence. Each state determines for itself which term they use and also how they prosecute impaired drivers. There are some states which use both the terms DUI and DWI. In these states, the term DWI is used as a more severe offense than a DUI. DWI means that the degree of intoxication was greater than someone who would get a DUI.

For the states that do carry both classifications, it is possible to reduce a DWI down to a DUI. The determination of reduction is dependent upon the blood alcohol level at the time of arrest. There are certain circumstances that must be in place in order for it to be considered. Those conditions are that it must be the defendant’s first offense, they must display remorse for their actions, and their blood alcohol level could not be a great degree over the legal limit. For some states like New York, for instance, the legal blood alcohol level for to be convicted of a DWI is .08. If the defendant has a level that is .07, the charges are able to be reduced to a DUI. Therefore, in states like New York there is the possibility of getting prosecuted for either of them.

There are some states, however, that have a zero tolerance policy. These are the states in which there is no differentiation between a DWI and a DUI. Therefore, anyone arrested who has a blood alcohol level that is over the legal limit is guilty of a criminal offense. In some states the specifications for the terms are different in that a DWI or a DUI can be used for those driving impaired by alcohol while a DUI is specifically designated to those who are driving under the influence of illegal drugs. So, the difference really depends on where the offense is committed. If you have been convicted of a DUI or DWI, you know the consequences can be significant to your auto insurance cost.

Take the time now to input your zip code in the box above to see how your existing policy measures up against others. In minutes, you will receive a free rate quote allowing you to compare costs and make the best choice for your auto insurance needs. In general, getting many different auto insurance quotes is the best way to guarantee you are getting the best price possible.