The costs associated with a DUI or DWI conviction continue long after your court case has finalized. In fact, one of the most significant expenses comes in the form of higher car insurance premiums. Although it’s almost impossible to avoid a hike in your insurance rates after a DUI, there are steps you can take to keep your premiums affordable.
Here are a few strategies to save on auto insurance after a DUI or DWI:
1. Take A Defensive Driving Course
Depending on your state, driving record, and your specific charges, you may be ordered by the court to take a defensive driving course. Even if you are not required to do so, it might be a good idea if your insurance company offers discounts for taking such a course.
If your current insurer does not offer this discount, try to find a car insurance company that does and perhaps one that is more lenient to drivers who have a recent drunk-driving conviction. To help you save time, our Geeks compared car insurance rates after a DUI conviction in all 50 states to identify the cheapest insurance companies for this driver category. You can find the results of our study here.
2. Bundle Your Insurance
If you have other types of insurance with a company besides your car insurance provider, it may be in your best interest to merge. Many insurers offer multiline discounts to policyholders who have multiple types of insurance with them.
3. Increase Your Deductible
Your deductible is the amount of money you will have to pay after an accident before your insurance company pays out. Deductibles can range from $0 to $1,000 and beyond. Lower deductibles typically translate into higher insurance premiums and vice versa. As such, if your insurance rates increased after being convicted of DUI, you may be able to lower them by opting for a higher deductible.
4. Lower Your Coverage
It goes without saying that the types of coverage you carry and their limits will have a major impact on your insurance rates. If you want to get your premiums reduced after a DUI, consider opting for less coverage.
5. Install Safety Features In Your Car
If your car doesn’t already have features like an alarm, antitheft devices, antilock brakes, and automated seat belts, it may be time to look into getting them installed or buying a new car that comes with them. These features lower the risk of filing a claim and reduce the value of the average claim in the event of an accident, so insuring a vehicle with the latest safety features typically costs less.
6. Be Careful With Your Driving Moving Forward
Your insurance rates are ultimately determined by the likelihood that you will file a claim. That likelihood statistically increases after a DUI conviction, which is why your premiums increase.
If you want to get your rates reduced, you will need to prove to your insurance company that you aren’t a high-risk driver. The easiest way to do this is to avoid accidents and traffic infractions for several consecutive years.
7. Opt For Paperless Billing
If you haven’t gone paperless, find out if your insurance company would offer you a discount for doing so. Paperless billing tends to be cheaper for insurance carriers, so many of them offer financial incentive to drivers who make the switch.
If you’ve taken these steps but you’re still unhappy with your insurance rates, consider switching to a different provider. Each insurance company takes a different approach to calculating premiums, so you might be able to find a carrier who is more lenient on drivers with a DUI conviction.
Do you have any insights to add? Feel free to leave them in a Comment below.