The entire reason insurance exists is to protect people in case of accidents. People make mistakes, and one of worst things you can do to your insurance premiums is to get a DUI. However, DUI’s do happen and the good thing is that there are specialized DUI insurance programs available that you can switch over to when your rates inevitably go up.
When purchasing auto insurance, there are what are called preferred companies. What that means is they like good drivers and if one of their customers gets a DUI it’s entirely possible for them to be dropped from the policy upon renewal. When this happens, that customer would have to look for a program or insurance company that caters to DUI insurance programs. Those of us in the industry call these markets ‘non-standard.’ Preferred companies won’t accept non-standard risks. That’s when you call an insurance agent and ask about DUI insurance.
Getting insurance even if you have a DUI isn’t difficult. There are actually companies that compete with one another to fight for these types of policies. This is possible because their underwriting and their programs are uniquely created for DUI insurance risks. Many of these companies have learned that drivers with DUI’s are extra careful about driving after their DUI so they have been able to capitalize on providing insurance to drivers with DUIs even if other preferred companies have denied them.
DUI insurance programs are available in case you need a new insurance policy after your DUI. It is likely you will also need something called an SR-22 filing. Your agent can help you with this when you call to ask about a dui insurance quote.