The Top Ways To Lower Insurance After a DUI

Insurance for a driver who has been charged with a DUI (driving under the influence) might be prohibitively expensive. And this is only one of many potential consequences of getting a DUI—you may also have to pay hefty fines. Therefore, you should aim to qualify for as many insurance discounts as possible to lower your auto insurance costs. Here are the top ways to lower insurance after a DUI.
Become a Better Driver
The simplest approach to saving money on auto insurance is to remove your classification as a “high-risk” driver. This entails avoiding traffic violations—including accidents and parking citations—to demonstrate to insurance providers that you are no longer a hazardous driver. The longer you can maintain a clean driving record, the better your chances of lowering your auto insurance.
Take Driving Courses
You can also lower your auto insurance premiums by taking defensive driving classes. A defensive driving course is typically a 6-hour session that people take to remove points from their licenses or lower their vehicle insurance premiums. Taking a defensive driving course might save you anywhere from 5 to 15% on your auto insurance, depending on where you live. Simply asking your insurance provider about your actual savings is the best way to find out.
After completing the defensive driving course, contact your insurance company to receive your discount. If you want to keep saving money, you'll have to retake the course after a certain number of years—usually 3.
Increase Your Deductible
A deductible is the amount you must pay out of pocket before your insurance coverage begins. For example, say you have a $500 deductible. If you were in a car accident and the cost of repairs was estimated to be roughly $400, your insurance would not cover the repairs because they were less than your $500 deductible. However, if the repair expenses were $600, you would still be responsible for the first $500, but your insurance would cover the difference of $100.
You can often lower your vehicle insurance premiums by asking for a higher deductible. For example, you can typically save 15 to 30% on collision and comprehensive coverage by increasing your deductible from $200 to $500. Or you can save 40% if you boost your deductible to $1,000.
We hope this article has helped you learn some of the top ways to lower insurance after a DUI. The cost of DUI vehicle insurance is high, but by following the three procedures we’ve outlined above, you should be able to lower your monthly rates.