Good Driver DUI Car Insurance Quote?
Reader question:
Can being a good driver get me a good DUI car insurance quote?
Nikolas
Sometimes.
Usually, even having a spotless driving record for years and years won’t act as a buffer against rising rates due to a DUI conviction. Usually, when you get a DUI, either your policy will be canceled and you’ll have to look for another company to be insured with, or your rates will be raised. This is something that applies to all dangerous driving acts, such as speeding tickets. However, sometimes being a good driver can help you. Want to know how?
It really all goes back to the basics. In order to get the best deal on your car insurance, you need to shop around to find the best company, right? Well, when looking for a company, one of the questions you should ask is how they treat their customers who have otherwise stellar driving records but have DUI convictions or speeding tickets. There are many companies that will forgive the first offense of this type, just like they will forgive the first no fault accident. In fact, if you get with the right kind of company, you could even get a good driver discount after a DUI conviction. The right kind of mindset when shopping is the best way to get yourself a DUI car insurance quote.
Of course, having the right company isn’t the only way to get out of a rate raise due to DUI, although it is the one that is most in your control. Slightly less effective, but still controllable by you is taking a defensive driver course in order to erase the offense from your driving record before it has any effect. This depends on what options you are offered, though. Another, more remote, possibility, is the off chance that the court might just not tell the department of motor vehicles about your little incident. If they fail to do this, then your car insurance company can’t know. However, if and when they do find out, they can cancel you at any point within a three year period after the offense.
Cheers,
Fashun Guadarrama.
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