If you were convicted of a DUI, it can affect your car insurance rates. Insurance companies may view people with such convictions as risky drivers and charge them more for premiums to protect themselves. In some situations, insurers may even cancel someone’s policy if that person got caught driving under the influence of drugs or alcohol. Here are some helpful tips for obtaining car insurance after a DUI conviction:
Understand That You Will Pay More for Car Insurance
It may be a tough pill to swallow, but you have to accept the fact that you will pay more money for car insurance for a while. In fact, it’s possible that you may have to pay up to $5,000 more a year for car insurance. To be able to afford your new insurance rates, you may need to adjust your budget.
Take a Defensive Driving Course
If you receive a DUI conviction, the judge may likely require you to take a defensive driving course. The good news is that completing this course will help you get a discount on your auto insurance later on. Your insurance company will see that you are making an effort to improve your driving skills and may reward you with cheaper insurance.
Don’t Be Afraid to Shop Around
While you should expect to pay more money for car insurance no matter what, there is no harm in shopping around. If you take the time to compare quotes from several different carriers, you may be able to obtain more affordable coverage.
Obtain an SR-22
After getting convicted of a DUI, you will be likely required to fill out an SR-22 form. By filling out this form, you can prove that you have purchased the minimum amount of car insurance required by your state. Talk to a broker who is an SR-22 specialist and who can file this form on your behalf.
Speak to an Independent Agent
An independent insurance agent works with several different insurance agencies and can help you choose the most affordable policy. When you speak to your agent, explain that you have a DUI conviction and want to find the most affordable option available. Be open and honest, that’s the key to receiving the advice that best fits your needs.
Paying more money for car insurance for the next few years is a bummer, but you will get through it. If you adjust your budget and carefully look at all your options, you will be able to afford these higher insurance rates.
Hotwire Insurance Services, a full-service independent agency, works for you and not insurance companies and does not charge a broker’s fee. Hotwire Insurance Services local agents can answer all your insurance requests.