DUI Insurance Rate Quotes - By: shay

Do you need to find DUI insurance due to a recent drunk driving conviction and finding it hard to get a decent rate from a reputable carrier? Don't despair, things are not as bad as they may seem. Just like normal auto insurance coverage there are a few things you can do to help get a lower rate, or just to get coverage at all.

Carry A High Deductible

If you set your deductible rate high, let's say $1,000 that would mean that in the event of an accident and your insurance carrier was liable to pay the claim (usually meaning YOU were at fault of the accident) then you would pay the first $1,000 of the claim.

Carriers do this so you will be less likely to file a claim, because you will be responsible for $1,000 of that claim. You would never want to file a claim for anything less or even slightly higher than your deductible amount due to a good chance your future rates will increase.

If you are a safe driver, except for that little drunk driving incident, then chances are you will not file a claim and can keep the savings you will be rewarded with for carrying a high deductible.

If you do have a claim, you only pay the deductible amount if your insurance policy pays the claim. So two things have to happen here before you will be liable for the $1,000. You have to have an accident and file a claim, and you have to be at fault and your insurance pays the claim.

Other deductions

1.Combine other policies together like home or personal insurance. Most carriers will offer some kind of discount for combining other polices, so ask for it.
2.Are you retired or active military
3.Are you a senior citizen or over the age of 55
4.Are you a member of a credit union or other fraternal organization
5.Are you a student with good grades
6.Have you taken any defensive driving classes lately
7.Does your vehicle have all the available safety features like side impact airbags
8.Are you driving a vehicle that is costly to repair, like a sports or luxury car
9.How is your credit score – a low credit score can effect your premiums
10.Do you live in a high crime or high population density area? Living in rural areas are cheaper to insure so think about that before you move.

Just because you have a DUI or other blemish on your driving record does not mean it is the end of the road for you, although it will be more expense for you in the short term.

Do not take no for an answer, talk with the agents, tell them your story and let them know you are willing to negotiate and work with them to get this issue behind you. You might have to install an Inter Lock start switch which will not allow the engine to start if you have alcohol on your breath.

You will have to blow into the InterLock device to start the engine. This can be costly to install and embarrassing to passengers, but might only be needed for a short time until you can prove this DUI thing was a thing of the past and not a recurring ongoing problem your insurance carrier should be worried about.

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