4 Easy Ways to Save Money on Car Insurance after a DUI

Driving under the influence (DUI) and driving while intoxicated (DWI) are essentially the same offense. If you receive a ticket for driving under the influence of alcohol, then you will likely see your car insurance rates go up because you’ve proven yourself to be a risky driver.

After getting a DUI or a DWI, you are a risk to insurance companies, yourself and other drivers on the road. At any time, you could potentially drive under the influence again and become a financial liability. However, by following these four simple tips, you can help reduce how much you pay for car insurance.

1. Increase Your Deductible

When you get car insurance, you will have to choose a deductible that you’ll be required to pay if you are ever in an accident. Deductibles vary but typically, the higher your deductible is, the less you pay for auto insurance. By choosing a higher deductible, you will find that your monthly insurance premiums may be lower than premiums associated with a lower deductible.

2. Consider Purchasing Insurance from an Independent Agent

You may not know it, but there are different types of insurance providers available. In particular, independent insurance agents work with many different insurance companies so that they can help their clients choose the auto insurance coverage that best meets their needs, often for the lowest available price. If you have a DUI, speak with an independent agent to see if you can get better rates by getting quotes from multiple insurance providers.

3. Get a Multi-Policy

When you have personal property, you have to insure it against risks. If you don’t insure your property, then you are responsible for footing the bill to replace or repair your personal property if you experience a loss. When you have multiple types of insurance, bundling all of your policies with one insurance provider can help you lower the cost of your monthly payments. Whether you have home insurance, renters insurance or boat insurance, coupling your existing insurance with your auto insurance helps reduce your costs.

4. Skip the Bells and Whistles

Driving your car exposes you to all sorts of potential risks. For many people, it makes sense to purchase coverage over and beyond what is legally required of them; however, the extras can add up quickly. Instead of struggling to make your insurance payments, consider reducing your coverage so that you can maintain continuous auto insurance on your car.

Fortunately, when you get a DUI, you can often continue to drive; however, your car insurance is likely to increase substantially. Although a rate increase is likely inevitable following a DUI, you can reduce the overall cost that you pay for your insurance with a little insurance know-how.

Can you save on coverage? Call ACF Insurance Services at (919) 661-1100 for more information on North Carolina DUI Insurance.