Cheap Car Insurance After DUI

Reader’s Question:

I have a DUI on my driving record and I just want to find out if there is anything I can do to get a cheaper car insurance?

Jason

Chicago, Illinois (IL)

Having a major conviction like DUI on your driving record can seriously affect your car insurance rates since as a motorist you are seen as more of a risk to an insurance company. In most states if you have been convicted of drunk driving (DUI) your license will be suspended for a certain period of time and then when you go to restore your driver’s license you will have to get an insurance company to file a SR-22, certificate of financial responsibility, on your behalf.

With a major offense like this on your driving record and the needing to file an SR-22 you may not be able to find car insurance with a standard insurance company. A standard insurance company will generally give better rates for those with clean driving records and may not offer competitive insurance rates for those with DUI and other serious related infractions or bad driving records.

The best way to get the cheapest rates after you have been convicted of a DUI is to shop around. Make sure to ask for any discounts that may be available to you. This can be for driver improvement or traffic courses, safety features on your car, anti-theft devices, etc. Discounts differ from one insurance providers to another so ask what ones are available to check if you can get cheaper rates by applying the most discounts to your insurance policy.

Holy crap Batman, these DUI insurance rates rock