Look, people make mistakes.
I get it.
As an Ex-Insurance Agent, I found there are a little strategies you can use to try and keep your rates as low as possible, even with a DUI or bad record.
How to do it:
- USE AN INDEPENDENT AGENCY. (This is key!) In MOST cases, an independent agent has access to more companies than the average insurance agent. They have specific companies that work well with bad records and your independent agent can connect you with these companies.
- If you have a roommate, partner, or parent that lives with you and they have a good record, you may be able to add them to your policy and tap into their personal discounts. (Check with your independent agent to see if this is a beneficial route to go)
- Switch from a full coverage vehicle, to an inexpensive liability only vehicle. This is one of the top money saving tactics. Insurance is heavily based on the type of vehicle you drive. So for a while, it may make sense to drive an older car until your bad record is removed.
- Be patient and drive smart. Most incidents on your record only last 3 years. So if you do have something on your record now, make sure you don’t get anything else! Remember, the more reckless you drive, the more you’ll pay each month!