If you have a DUI or DWI and are looking for car insurance, keep reading. The main concern is can you afford this car insurance? You can, but there are some considerations that you need to take into mind before you overpay for DUI car insurance.
Searching around online or by calling through your phone book can be trying at best. So, what do you need to look for when searching for car insurance? Just know ahead of time that many car insurance companies might not insure you depending upon your previous driving record.
The main thing to remember is that you are no longer just a regular driver. Once you have a DUI or DWI conviction, you are now classified as a high risk driver. This will bump you into a higher premium rate and also put you are a higher risk of being dropped should you have a claim.
People make mistakes during life. It is the lesson that you learn during that mistake that can help or hurt your future. Car insurance is very similar as a DUI or DWI will reflect directly to your insurance rates.
When you do find that insurance company that will insure you, prepare yourself for sticker shock. Most companies will sometimes charge fifty percent more for high risk driver car insurance than what you were paying. Of course, your previous driving record will also factor into the premium you pay.
The best thing you can do when you have gotten a DUI or DWI is be honest with your current car insurance company. Sometimes, if your record with them is clean and clear, they can work with you without raising your rates too much. However, sometimes you will be dropped from their coverage.
If you have been dropped by your previous insurance carrier, you will need to be upfront and honest with any company you are checking with about coverage. Car insurance companies can check your driving record and will check with your previous insurer about claims history and records. If you are honest up front, you might be lucky and find a good car insurance company to deal with.
You can find cheap car insurance after a DUI or DWI, sometimes with your current insurance company. However, most of the time you will need to shop around to find the best rates and prices in order to keep your car insurance the least amount as possible.
Searching around online or by calling through your phone book can be trying at best. So, what do you need to look for when searching for car insurance? Just know ahead of time that many car insurance companies might not insure you depending upon your previous driving record.
The main thing to remember is that you are no longer just a regular driver. Once you have a DUI or DWI conviction, you are now classified as a high risk driver. This will bump you into a higher premium rate and also put you are a higher risk of being dropped should you have a claim.
People make mistakes during life. It is the lesson that you learn during that mistake that can help or hurt your future. Car insurance is very similar as a DUI or DWI will reflect directly to your insurance rates.
When you do find that insurance company that will insure you, prepare yourself for sticker shock. Most companies will sometimes charge fifty percent more for high risk driver car insurance than what you were paying. Of course, your previous driving record will also factor into the premium you pay.
The best thing you can do when you have gotten a DUI or DWI is be honest with your current car insurance company. Sometimes, if your record with them is clean and clear, they can work with you without raising your rates too much. However, sometimes you will be dropped from their coverage.
If you have been dropped by your previous insurance carrier, you will need to be upfront and honest with any company you are checking with about coverage. Car insurance companies can check your driving record and will check with your previous insurer about claims history and records. If you are honest up front, you might be lucky and find a good car insurance company to deal with.
You can find cheap car insurance after a DUI or DWI, sometimes with your current insurance company. However, most of the time you will need to shop around to find the best rates and prices in order to keep your car insurance the least amount as possible.
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Find out more about finding cheap DWI car insurance and other useful tips to save you money with cheap car insurance after DUI.
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