I was unfortunately tagged with a 1st time DUI with an arrest in Nov 2007. Then resulted in a no-contest conviction in Aug 2009. Until that time, I've always had a clean criminal record and the clean "Safe Driver" driving record. Obviously, this has changed now.
I've always had major car insurance carriers like State Farm, Farm Bureau, Allstate, and Geico in my past. Today, I still do and I'm rather fortunate that my rates have not gone up at all and I still get the safe driver discount. Shhh, afraid to say that too loud.
I'm curious as to why they haven't gone up yet, not that I'm complaining. I'm staying low profile for now, not shopping for better rates, nor changing any coverages. Don't want to raise flags.
Just wondering if anyone knows why this could be, and also if there would be any fraud, or denial to cover a claim, under this condition???

Additionally, if I continue to be the good driver that I've always been anyway, less the one night of indulgence and police academy cops gave me no quarter,
How long will I be considered a "high-risk driver?"
Also wondering how Florida handles this. Some blogs say it varies by state.
Also wondering when the start date of this record begins. The date of being pulled over, or the date of the court conviction.

Any insight on all this would be greatly appreciated.