How Can I Lower My Insurance After a DUI?
If you’ve been convicted of a DUI, you may have to make some critical changes in your life. Even if you don’t have a severe problem with alcohol, you may still have to take precautions when you’re out and about. You’ll want to make sure that you maintain a clean driving record.
One unexpected change that may impact you is the cost of car insurance; it will likely increase. You may also have to find other insurance because your current policy won’t cover you any longer. If you’re struggling with the price increase, don’t panic. There are some ways to lower your insurance costs, even with a DUI conviction.
Here are some ways to save money when researching car insurance quotes from auto insurance companies for drivers with a DUI:
Focus on your driving. You’ll have to prove to your insurance company that you aren’t a high-risk driver. You can do this by avoiding speeding tickets and getting into accidents. The longer you can maintain a good driving record, the better your insurance rates will be.
Improve or keep your credit score high. If you have good credit, you’re more likely to have a better car insurance rate. Be sure to continue paying your bills on time and maintaining a good credit score.
You’ll want to avoid having a high balance on your credit cards or having multiple credit cards simultaneously. This can decrease your credit score. If you’re in debt, take steps to pay down balances so your insurance company does not see you as a risk.
Take a driving course. There are defensive driving courses, which can help you earn points on your license. Taking one of these courses may help reduce your insurance rate by up to 15%.
Though there’s a cost involved (in time and money), it can help you reduce your expenses in the long run. There are even online courses, which you can complete in your own time.
Drive a safe vehicle. Typically, insurance rates are lower for newer cars with good safety features. These safety features can include airbags, steering wheel locks, and automated seat belts. If you’ve been convicted of a DUI, you may notice that your insurance is cheaper if you use an ignition interlock.
Alarm systems can also make a difference. Don’t hesitate to ask your insurance company about potential savings when you add some of these features. It may be worth the expense.
In summary, if you’ve been convicted of a DUI, you may be worried about the rising cost of your insurance. However, there are some things you can do to reduce it. Start by focusing on your driving and creditworthiness.
By showing the insurance company that you’re fiscally responsible and a good driver, you may be able to reduce your insurance costs. It may also help to take a driving course. This is an inexpensive option and often takes just a few hours of your time. Choosing to take such a course may be a good idea if you’re struggling to pay your monthly premiums.
You may also want to add some safety features. However, it’s a good idea to talk to your insurance company first. The discount you receive may not be worth the cost of the investment.
After getting a DUI, you may also be required to obtain SR22 insurance, sometimes called DUI car insurance, certificate, and an ignition interlock device, depending on the state. If that happens, don’t hesitate to contact us. It’s our goal to get you back on the road quickly and safely.
*Links to any third-party websites herein are provided for your reference and convenience only. RoadGuard Interlock did not create nor develop and does not own any such third-party websites. RoadGuard Interlock does not endorse nor support the content of, nor any opinions stated in any such third-party website links. RoadGuard Interlock is not responsible for the content of any third-party website or its accuracy or reliability. Nothing contained in this article or in any such third-party website shall be considered legal advice or be deemed to constitute legal advice. For any legal advice concerning a DUI arrest, charge, conviction, or consequences thereof, you should contact an attorney of your choice. *