Car Insurance After a DUI

If you're going through a DUI, your car insurance may not be the first thing you're thinking about, but it certainly won't be the last. In addition to the risk of losing your license, court fees, impacts to your job, and possible jail time, you may find yourself out of car insurance.

Car insurance providers are basically leveraging risk with reward through offering insurance. If they feel a person is at a low risk for having an accident, they give them lower rates. However, the higher the risk of the person, the more it costs for an insurance company to think it is worth their while to offer insurance.

And, as it happens, a person with a DUI on their record is considered one of the riskiest demographics to provide insurance for. Affordable car insurance quotes become much less affordable when a person is ticketed with DUI.

Some car insurance companies will drop you outright if you get a DUI. Others will really jack up your rates. However, if you shop around for the best affordable car insurance with a DUI you may find a competitive price.

Luckily, there are several steps you can take to help make you more appealing to car insurance companies.

            1.    Be on your best behavior during community service.
                   While being a nice guy isn't a way to increase your abilities to get car insurance with a DUI, being responsible with                        your community service looks good and could help tilt the scales in your favor. Get a recommendation from your                            community service supervisor.
            2.    Take the educational courses offered by the court.
                   And, look up some additional ones on your own. If you show that you're actually interested in becoming a better, more                    responsible driver, getting affordable auto insurance with a DUI becomes more possible.
            3.    Hire a lawyer experienced with DUI issues.
                   A DUI lawyer can help you during your court issues; if your lawyer can throw enough doubt on the circumstances, you                    can come away without a license suspension and can, thus, help your insurance situation.

Hopefully showcasing that you can be responsible, and that your DUI was an aberration, will get you set up for decent DUI car insurance.

If you've lost your car but still want to be able to drive, a few companies offer non owners insurance. A non owners insurance policy protects a driver who drives other people's cars.