Getting Car Insurance With A Dui

Getting a DUI can be one of the most difficult and embarrassing experiences a person can go through. It impacts many aspects of your life, including your ability to get car insurance. While getting car insurance with a DUI can be a challenge, it’s not impossible. There are steps you can take to make sure you get the coverage you need at a price you can afford. In this article, we’ll look at some tips to help you get car insurance with a DUI.

Understand How a DUI Impacts Your Car Insurance

A DUI can significantly impact your car insurance rates. Insurance companies view DUI convictions as a major red flag and will often increase rates or deny coverage altogether. The length of time that your DUI remains on your record can also affect your rates. In some states, a DUI stays on your record for up to 10 years, meaning your car insurance rates could remain higher than normal for a long time.

Shop Around for Coverage

When it comes to getting car insurance with a DUI, you need to shop around for coverage. Different insurers will have different policies when it comes to coverage for drivers with a DUI. Some insurers may be willing to offer coverage at a higher rate, while others may not. Be sure to compare rates and coverage from several different insurers to ensure you get the best possible deal.

Look for a Non-Standard Insurance Provider

If you’ve been denied coverage by traditional insurers, you may want to look into non-standard insurance providers. These providers specialize in providing coverage for high-risk drivers, including those with DUIs. While these providers may offer higher rates, they may be your only option for getting car insurance with a DUI.

Work to Improve Your Credit Score

Your credit score can have a significant impact on your car insurance rates. If you have a low credit score, you may be able to improve it by making payments on time and working to reduce your debt. Improving your credit score can help you get better rates from insurers.

Consider an Insurance Company That Offers a DUI Waiver

Some insurance companies offer a DUI waiver, which can help you get better rates on your car insurance. This waiver can help reduce the impact of a DUI on your insurance rates. Be sure to ask your insurance provider if they offer a DUI waiver and how it can help you get lower rates.

Take a Defensive Driving Course

Taking a defensive driving course can help improve your driving record and may help reduce your car insurance rates. Courses like these can also help you become a safer driver, which is beneficial to both you and other drivers on the road.

Look Into Low-Mileage Discounts

If you don’t drive very often, you may be able to take advantage of low-mileage discounts. Many insurers offer discounts for drivers who don’t drive very often, so be sure to ask your insurer if they offer such a discount.

Conclusion

Getting car insurance with a DUI can be a challenge, but it’s not impossible. By shopping around for coverage, looking into non-standard insurers, improving your credit score, and taking advantage of discounts, you can get the coverage you need at a price you can afford. Following these tips can help you get the car insurance you need even with a DUI on your record.