Finding insurance for those with a DUI can be a challenge as many insurance companies consider DUIs a high-risk factor. As a result, insurance companies often charge premiums or will even refuse to offer coverage altogether. While difficult, it is not impossible to find insurance if you have a DUI.
As an independent insurance broker, I occasionally have clients with DUIs searching for insurance. These clients often have a hard time finding insurance because they are seen as high risk, and are often charged higher premiums or even denied coverage altogether. In this article, we will discuss the challenges of finding insurance if you have a DUI, tips for finding the best insurance, top insurance options, and factors to consider when choosing insurance. Let’s get started!
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The Best Car Insurance After A DUI
It’s important to note that insurance companies may view individuals with a DUI (driving under the influence) conviction as higher risk, and as a result, may charge higher premiums for car insurance coverage. Realize that some insurance companies may be more willing to provide coverage to individuals with a DUI conviction than others.
Here are a few insurance companies that may be more willing to provide coverage to individuals with a DUI based on my experience as a licensed insurance agent:
| Company | Year Founded | Description |
|---|---|---|
| The Hartford | 1810 | This national insurance company, founded way back in 1810, offers coverage options like accident forgiveness for safe drivers. |
| MetLife | 1868 | This global insurance giant, founded in 1868, provides a variety of personal and commercial insurance products. |
| Esurance | 1999 | This direct-to-consumer car insurance company, founded in 1999, uses technology to streamline the insurance process. |
| Travelers | 1853 | Founded in 1853, this national insurance company offers personal and commercial coverage options, including car insurance. |
| Allstate | 1931 | This national insurance company, founded in 1931, offers a range of products, including car, home, and life insurance. |
| Progressive | 1937 | This national car insurance company, founded in 1937, offers coverage options and discounts. |
| Liberty Mutual | 1912 | This national insurance company, founded in 1912, provides personal and commercial insurance products, including car insurance. |
| Farmers | 1928 | This national insurance company, founded in 1928, offers a range of personal and commercial insurance products, including car insurance. |
| Nationwide | 1926 | This national insurance company, founded in 1926, offers personal and commercial insurance products, including car insurance. |
| GEICO | 1936 | This well-known national car insurance company, founded in 1936, is known for its affordable rates and catchy advertising. |
Pro Tip: Shop around and compare quotes from multiple insurance companies to find the best coverage. Be sure to disclose your DUI conviction to insurance companies, as failure could result in denial of coverage.
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The Challenges Of Finding Insurance With A DUI
As an insurance professional, I occasionally have clients with DUIs who are searching for insurance. Although finding insurance is generally a difficult process, those with DUIs might have a harder than usual time finding insurance. There are several challenges that people with a DUI may face when it comes to finding insurance.
Here are a few possible challenges:
- Higher Premiums: Insurance companies may charge higher premiums for people with a DUI on their record, as this is considered a high-risk factor.
- Difficulty Finding Coverage: Some insurance companies may refuse to provide coverage for people with a DUI on their record, or may limit the coverage they offer.
- SR-22 Requirements: In some states, people with a DUI may be required to file an SR-22 form, which verifies that they have the minimum required liability insurance coverage. This can be an additional challenge when looking for insurance.
Tips For Finding The Best Insurance With A DUI
As an insurance broker, I fully understand the challenges those with DUIs face when searching for insurance. Throughout my career, I have picked up several tricks that can help you find insurance when you have a DUI.
Here are tips I recommend following when searching for insurance with a DUI:
- Shop Around: Don’t settle for the first insurance quote you receive. Shop around and compare quotes from multiple insurance companies to find the best deal.
- Consider A Higher Deductible: Choosing a higher deductible can lower your premiums, but make sure you can afford to pay the higher deductible if you need to make a claim.
- Ask About Discounts: Insurance companies may offer discounts for a variety of reasons, such as completing a defensive driving course or having a clean driving record before the DUI. Ask about any discounts that may be available to you.
- Look For Coverage For Specific Types Of Insurance: If you are having difficulty finding coverage for certain types of insurance, such as renters or life insurance, consider insurance companies that specialize in these types of coverage.
- Work With A Broker: A broker can help you find insurance options that may not be available directly from insurance companies. A broker can also help you negotiate lower premiums and find coverage that meets your needs.
Factors To Consider When Choosing Insurance With A DUI
Having insurance is an important step in protecting yourself, loved ones, and others. As such, it is important to pick the right insurance for your needs.
| Factor | Description |
|---|---|
| Type Of Insurance | You may need car insurance, health insurance, or both. |
| Coverage Limits | Determine how much coverage you need and can afford. |
| Deductibles | Think about how high you can afford to set your deductible. |
| Premium Cost | Compare premiums from multiple insurance companies to get the best price. |
| Length Of Coverage | Decide how long you need the insurance coverage for. |
| Reputation Of Insurance Company | Research the insurance company’s financial stability and customer service. |
| Availability Of Discounts | Look for any discounts that may be available to you, such as a good driver discount. |
| Exclusions Or Exclusions | Be aware of any exclusions or exclusions that may apply to your policy. |
| Convenience Of Claims Process | Think |
As An Insurance Professional, Here Are Factors I Recommend You Consider Before Purchasing Insurance:
- Coverage Limits: Make sure that the insurance policy you choose has coverage limits that suit your needs. Consider the value of your assets and the risks you may face, and choose coverage limits that provide adequate protection.
- Premiums: Premiums for people with a DUI can be higher, but it’s important to find a balance between affordability and adequate coverage. Look for an insurance policy with premiums that you can afford, while still providing the coverage you need.
- Customer Service: Choose an insurance company with a reputation for excellent customer service, as this can be especially important in the event of a claim or if you have questions about your policy. Look for an insurance company with a responsive and helpful customer service team.
- Financial Stability: It’s important to choose an insurance company that is financially stable, as this can ensure that the company will be able to pay out claims if necessary. Look for an insurance company with a strong financial rating from independent organizations such as A.M. Best.
Overall, by considering these factors, you can be confident that you are choosing the best insurance policy for DUI that meets your needs.
Conclusion
As an insurance professional, I understand the various challenges those with DUIs face when trying to choose an insurance plan. Be sure to shop around, consider higher deductibles, and look for discounts to increase your chances of getting affordable insurance. By following the tips in this article, and considering the recommended companies, you can make an informed decision for your insurance needs, and make sure you get the best coverage at the best price.
