Paying higher prices doesn’t always mean you’re getting the best value for your dollar. That’s especially the case with DUI car insurance providers.
Getting high-risk auto insurance, regardless of provider, is going to do some damage to your wallet. Insurance companies view high-risk drivers as being more likely to get into an accident. As a result, they charge exponentially higher rates for high-risk policies. While the higher rates are consistent across the board from company to company, the service and protection that you get varies widely.
Some DUI car insurance companies assume that if you’re shopping around for high-risk insurance, then you’ll pretty much settle for whatever you can get. In fact, the average customer typically believes that services and products that cost more are of superior quality. That’s why some DUI auto insurance providers may charge more their higher-rated competitors while offering less coverage and not-so-customer friendly policies.
If you’ve been convicted of a DUI offense, or you were recently arrested and are facing charges, you shouldn’t rush into getting your car insurance situated. It is unlikely that your current provider will terminate your policy or raise your rates immediately after conviction (they typically take 6-12 months to process such changes), so you’ll have time to shop around.
So how should you go about finding the best possible auto insurance firm for your needs? And what companies are considered to be the highest rated?
Well, you’ve come to the right place, as we have the answers to some of your most pressing questions.
Compare Quotes between DUI Auto Insurance Providers
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Perhaps the best thing you can do to start looking for the best car insurance to compare quotes from a variety of different companies. By running a rate comparison through the AutoInsureSavings advanced quote comparison platform, you’ll be able to see what companies are offering you the best rates. That will give you an idea as to what kind of options are out there for you.
Once you’ve found a few companies that best fit your price range, follow-up with them to get a better understanding of what their high-risk auto insurance policy includes. You’d be surprised as to how different they might be.
Don’t hesitate to ask the important questions. After all, that will give you a better idea as to how a company might treat you once you are a customer (particularly if and when it comes to the point that you have to file a claim). Beyond the basics of how much and what kind of coverage is offered, some questions you may wish to ask include:
What kind of discounts could you potentially qualify for?
Are high-risk auto insurance policy holders eligible for safe-driver discounts at any point?
If the answer is yes to the question above, how long will it take to earn that discount?
How much will your rates increase should you get into an accident while covered?
For how long will you be classified as a high-risk driver?
Of course, those are just a few possible questions that you might ask before signing on the dotted line for a high-risk auto insurance policy. It’s important to remember that these DUI auto insurance providers want your business. While they’re asking you questions to figure out your rates, you should also be asking them questions to make sure they are the right fit.
The Internet has made everything a lot easier for the customer. With a simple search, you can look up the rating of every high-risk auto insurance provider. Additionally, companies like Forbes and JD Power and Associates provide their own rankings to help customers make the right choice. These ratings are typically determined based on such factors as policy offerings, pricing, billing, and overall satisfaction. The highest-rated companies are usually the easiest to deal with, especially when it comes to filing a claim.
Highest-Rated Insurance Providers
Finding the best high-risk car insurance provider is always easier when starting with a few recommendations. To help you get started, we’re highlighting a select few of the best-rated DUI car insurance companies. Remember that you can find even more to choose from by doing a no-obligation quote comparison through the AutoInsureSavings rate comparison platform at the top of the page.
While Esurance doesn’t have the advertising presence of companies like Geico and Progressive, it does have one of the most rock-solid reputations in the car insurance industry. Believe it or not, Esurance is backed by All State making it one of the best, if not the very best DUI auto insurance provider. Their customer service is second-to-none, and they offer very competitive rates across the board. They also offer home-owners insurance, so combining your policy for a discount is certainly possible.
Like Esurance, GMAC relies more on their reputation than they do on television advertising campaigns. That’s why you can be sure that you are going to get the best customer service experience possible. GMAC offers first-time DUI offenders with low-cost insurance, making it possible to the coverage you need without breaking the bank. With low-cost high-risk insurance coupled with top-notch customer service, GMAC is an obvious choice for those individuals that have just been hit with their first DUI conviction.
Unlike the previous two DUI auto insurance providers mentioned, AllState does have a prominent television advertising campaign to promote their service. Chances are that you’ve seen at least one AllState commercial with Dennis Haysbert or Dean Winters. Although many companies use effective commercials and strong advertising campaigns to make up for a lack of quality service, AllState has earned a reputation as being one of the top-rated DUI auto insurance providers. With an A+ rating, they live up to the promises made in each of their television ad spots.
Do Your Research before You Commit
Just as you would do with any other product or service you purchase, it is important to thoroughly look into a variety of DUI auto insurance providers. You’ll be paying your insurance provider thousands of dollars each year, so it is important that you get the quality coverage you need.