When you are faced with a DUI, one of the tough issues you will end up encountering will be finding cheap car insurance. It doesn’t matter what your driving record was before your DUI as your record has now changed.
Know that there will be some trying times ahead of you after you have gotten a DUI. One of the reasons is that your insurance company will now classify you as a high risk driver. This alone can result in premium increases that can range from an additional 50% of what you are paying to the company dropping your coverage.
Since you are classified as a high risk driver, you can’t just go out and find car insurance easily. The reason is because all car insurance companies have access to your driving records. When they see, once you are convicted, that you have a DUI conviction, they will either decline to insure you or raise your rates.
When looking around and talking to other car insurance companies in search of the cheapest DUI car insurance, you will need to be honest with the agents that you are talking to. Most are just taking information and putting it into a computer which returns the rates.
If you are not honest about your DUI, the company will find it on your records check. This could lead to them dropping you if you have already been given coverage. Or, if they don’t drop you, expect a large rate increase to reflect the discovery of your record.
No matter how you search for your cheap car insurance after a DUI, finding the right company to deal with won’t be overly easy. However, with a little time and patience, you can find the cheapest DUI car insurance available on the market. Usually you can save time by shopping online for your car insurance also, which really helps if your license has been suspended.
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