Getting a DUI does not mean you will have to pay high prices for your car insurance. Take a look at the following tips so you can pay less that you normally would under these circumstances:

1. Increase your deductible. You may increase your deductible up to $1000 which is the amount you will pay if there is a claim and your carrier pays the claim. This will surely lower your rate.

2. You can save money by changing the type of car you drive, if you drive a four-door sedan instead of a sports car your rates will be lower.

3. If you have an old car, it would be best to opt for liability insurance and drop the collision and comprehensive coverage in your policy. You can save up to 20%.

4. Attend traffic school. Attending traffic school is a good way to improve your driving record. Some car insurance companies provide discounts if you recently attended traffic school. However, in some states, traffic school is required for drivers after a DUI conviction.

5. Ask for a discount. Discounts are a good way to lower your rate. Be sure to ask your insurance company what are the discounts that you can take advantage of.

A few popular discounts are given for

1. Military – both active and retired
2. Good grade students
3. Claim free history the last 7 years
4. Combining other coverage together, like home and life insurance with your auto policy
5. Multi car discounts if you have more than 1 car add it to your existing policy
6. Credit union members
7. Good credit score and on time payment history

These are just some of the things you can do to lower your rates. If you follow these suggestions, it could lower your rates on your DUI insurance. This short video I found helpful, so you might as well.

I recently been convicted of DUI. I would like to know if this will affect car insurance rate if the policy is not under my name? The policy is under my mother’s name.

Mike

Los Angeles CA
Your mother’s car insurance rate will be affected if you are listed as a driver under her policy.

The driving record of any licensed motorist on a car insurance policy or in a household can have an effect on the insurance coverage premiums along with the insurer’s judgment to insure the car. Specific violations might result in an insurance company to deny you or the policyholder car insurance coverage plan or to pay high-risk policy.

An individual having a poor driving record is a lot more of a risk for an insurer than an individual with a good driving record and therefore their car insurance cost are usually more costly. The entire car insurance policy hence may be impacted by a single driver’s DUI or major driving offense.

If you have been denied  coverage from your car insurance company, it is best to comparison shop for a more affordable DUI insurance. Shop for companies that will provide coverage that you can afford.

You can do a lot to help lower your insurance premium. One way is to attend traffic school. Some companies offer discounts for those who recently attended traffic courses. This will also help you improve your driving skills. Make sure you also ask for discounts that you can take advantage of. The more discounts you get, the more chances of getting reduce DUI insurance rate.