Cheap DUI Motor Insurance - Is it Possible to Get Cheap Motor Insurance After a DUI Conviction?
The Truth About Cheap DUI Motor Insurance
Q: I was booked for driving under the influence of alcohol and found guilty. They gave me a community service term because this was my first DUI offense. How can I get cheap insurance now?
A: Insurance companies take a very dim view of DUI convictions. It adds a lot of points to the license, and in many cases your license can be cancelled. You are lucky to have escaped lightly. It is very hard to immediately get cheap insurance rates if you were booked for a DUI.
How much the insurance company increases your insurance premiums depends on the internal policy of the company, but they are almost certain to go up now because you are more of a risk to the insurance company than they considered earlier. If you are not convicted of any additional offenses in the future, your premiums will fall until they reach the levels where they are equivalent to a non-convicted driver. This can take a few years. If you are convicted a second time, you will probably lose your license. In that case, your insurance rates will continue to get more expensive when you start driving again.
Until then, if you find it hard to afford your present insurance and really need cheap car insurance, then you can go for a higher deductible, or buy liability insurance only. That will lower your premiums to manageable levels.
Another option is to compare quotes from several different companies online. Shopping around will show you what other companies are charging and there is a good chance you will be able to save some money by switching to another provider.
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