Driving under the influence (DUI) is a serious offense that can have major consequences including higher insurance rates. If you’ve been convicted of a DUI you may be required to obtain specialized DUI insurance in order to legally drive again. In this blog post we’ll discuss what DUI insurance is how it differs from traditional auto insurance and how you can find the best rates.
What is DUI Insurance?
DUI insurance is a type of auto insurance specifically designed for individuals with a DUI on their record. This type of insurance is often required by law in order to have your driving privileges reinstated after a DUI conviction. DUI insurance typically has higher premiums than traditional auto insurance due to the increased risk associated with driving under the influence.
How is DUI Insurance Different from Traditional Auto Insurance?
There are several key differences between DUI insurance and traditional auto insurance –
- DUI insurance is typically more expensive than traditional auto insurance as individuals with a DUI on their record are considered high risk drivers.
- Many traditional insurance companies may refuse to insure individuals with a DUI leading them to seek out specialized DUI insurance providers.
- DUI insurance often includes additional coverage options such as SR 22 filing which certifies to the state that you are carrying the required liability insurance.
How to Find the Best Rates on DUI Insurance
Since DUI insurance can be expensive it’s important to shop around and compare rates from different providers to find the best deal. Here are some tips for finding affordable DUI insurance –
- Look for specialized DUI insurance providers that cater to high risk drivers.
- Consider raising your deductible to lower your premiums but make sure you can afford the out of pocket costs in case of an accident.
- Take a defensive driving course to demonstrate to insurance companies that you are committed to safe driving practices.
- Bundle your auto and home insurance policies with the same provider to potentially qualify for a multi policy discount.
Obtaining DUI insurance is a necessary step for individuals with a DUI on their record in order to legally drive again. While DUI insurance may be more expensive than traditional auto insurance there are ways to find affordable rates by comparing quotes and exploring different coverage options. By taking the time to research and shop around you can find the best DUI insurance policy that meets your needs and budget.
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