When it comes time to shop for car insurance, finding the best policy for your needs is essential. You want to ensure that you get the best coverage at the best price. If you’re one of the many drivers with a DUI on your record, you may be wondering if you can still get car insurance. The good news is that you can. Keep reading to learn more.
Car Insurance Rates With a DUI
Average car insurance rates for drivers with a DUI is 74% higher than those without a DUI, according to Forbes Advisor. This is because drivers with a DUI are considered high-risk drivers by insurance companies. There are a few things drivers with a DUI can do to get car insurance at more affordable rates.
The first is to shop around insurers for the best rates. Many companies will offer car insurance to drivers with a DUI, but not all companies will provide the same rates. You may be able to find a company that offers lower premiums than your current provider. Another way to save money on car insurance after a DUI is to increase your deductible. This means you will have to pay more out of pocket if you need to make a claim, but it could also mean lower premiums. You may also be able to reduce your premiums by taking a safe driving course or by installing an ignition interlock device in your vehicle. Both options can show car insurers that you are taking steps to improve your safety and the safety of others on the road.
When looking for car insurance after a DUI, you’ll want to research companies that offer coverage for drivers with a criminal record. Some insurers are more likely to provide coverage than others, so compare rates and ask questions before signing up.
Some tips for finding car insurance after a DUI include:
- Looking into state-sponsored programs, which may be available in states with higher rates of DUIs.
- Comparing rates online on sites like Forbes Advisor.
- Calling insurance companies directly and asking about their policies for drivers with a criminal record.
Get the Best Rates and Coverage Comparing Quotes Online
There are several types of car insurance, including liability, collision, comprehensive, and uninsured motorist coverage. Liability insurance covers injuries and property damage to other people if you are at fault in an accident. Collision insurance pays for damage to your car if you hit another object or if your vehicle is hit by another car. Comprehensive insurance pays for damage to your car caused by fire, theft, or vandalism. Uninsured motorist coverage pays for injuries and property damage if you are hit by a driver who does not have insurance or does not have enough insurance.
You can find and compare the best car insurance quotes online on websites like Forbes Advisor. Comparing top car insurance companies online is a great way to save time and money. By comparing rates from several insurers, you can find the best coverage and rates for your needs.
Here are some tips to help you get the best rates and coverage:
- Compare rates: Don’t just go with the first car insurance quote you find. Shop around and compare rates from several insurers. This can save you money on your premiums.
- Know your needs: Before shopping for car insurance, know what type of coverage you need. Different types of coverage are available, and each one offers various protections.
- Consider your budget: Car insurance premiums can vary significantly, so consider your budget when shopping for coverage. Many factors affect premiums, including the type of car you drive, the amount of coverage you need, and your driving record.
- Get quotes from several insurers: Not all insurers offer the same rates or coverage. You can compare rates and find the best coverage for your needs by getting quotes from several car insurers.
- Read the policy carefully: When you finally find a policy you’re interested in, be sure to read the policy carefully. This will help you understand the coverages and exclusions offered by the policy.
- Ask questions: If you have any questions about the policy or the coverage, ask the car insurer. This can help you understand the policy and ensure you’re getting the best coverage for your needs.
No matter how you go about it, comparing car insurance rates online is the best way to find a deal. By understanding the options available and the steps to take, drivers can get the coverage they need.