February 15th, 2016
Driving under the influence is a big mistake, and one a lot of people have made. When you’re out having fun with your friends, it’s easy to lose track of how many drinks you’ve had. You think to yourself, “I still feel good. I’ve only had a couple of drinks. I have a high tolerance anyway.” The thing is, even a couple of drinks can put you over the legal limit. When you see those flashing patriotic lights in your rearview mirror, you realize that getting in the car and heading home may not have been the best idea.
We at CoverHound can help you find DUI auto insurance that won’t cost you half of your paycheck. Remember that no one is perfect, and it’s not your past that defines you. When you compare and shop auto insurance through our online portal, you find the insurance policy that serves your needs best.
Auto Insurance: The DUI Edition
Insurance companies set their policies based on risk assessment. This means that no matter how excellent a driver you were before the DUI transgression, insurance agencies will only see the DUI charge. According to Mothers Against Drunk Driving (MADD), every two minutes, someone is hurt in a drunk driving accident, with drunk driving costs on average $800 annually, this includes hikes in your insurance premium, which get very expensive, very quickly.
When you have served your time and/or paid costly court fees, having to pay hefty monthly insurance premiums can be a tough, if not impossible pill to swallow. To reduce your penalties and fines, the Department of Motor Vehicles (DMV) suggests that motorists facing DUI charges consult a DUI/DWI attorney. Attorneys specializing in DUI/DWI law are well-versed in the state’s drunk driving laws (though all 50 states in the US have set the legal blood alcohol concentration limit (BAC) at .08 percent, state laws vary on punishment and penalty) and can help you sort through the litigation process, get your suspended license revoked and even lower your traffic fines.
With a DUI, auto insurance is going to be more expensive, but it doesn’t have to break the bank. Many insurance agencies provide package-specific insurance policies that work in your budget. Some of these include: liability coverage, collision coverage, personal injury protection and gap insurance – in addition to DUI coverage. When you use an insurance comparison and shopping tool like CoverHound, you are better able to find affordable DUI auto insurance through a reliable insurance company.
Once you have found a company you are interested in partnering with, you can start your policy process. When signing up with a new company or changing policies with your current agency, it is always a great idea to ask about discounts. Having a DUI on your record may make you hesitant to ask about any potential discounts, but it shouldn’t—everyone is entitled to know what their insurance company can offer them, and your insurance agent will be happy to help. Despite having a DUI on your record, you can still get insurance discounts through bundling packages and enrolling in a traffic safety course. This demonstrates to your insurance provider that you are working towards becoming a better driver and conscientious individual. When your driving record begins to show improvement, your insurance company rewards you with discounts. Because as we all know, a safe motorist is a happy motorist.
We at CoverHound do not pass judgment. If you have a DUI on your record, we can still help you find affordable DUI auto insurance that will help get your life and independence back on track. Find your new policy using our online portal today!