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If You Have A DUI Switching Car Insurance Providers Could Save You Money

Fighting insurance companies after a dui

Image credit: http://attorneyrichardmcguire.com/

The good news is that you still have insurance. After all, you’ve read the horror stories of those that had their coverage cut off by their DUI car insurance providers. Just because you still have insurance, however, does not mean you should be paying more than you should be each month.

One of the dirty secrets of most DUI car insurance providers is that they take your loyalty for granted. After a DUI conviction, they know that most of their customers are just happy to have insurance coverage and have no intentions of shopping around. That means they can raise rates year after year and know that loyal customers will keep paying.

If you’ve been a loyal customer to your auto insurance provider, and stuck with them after your DUI charge, there’s a good chance you’re paying more than you should be. In fact, switching DUI auto insurance providers could end up saving you a decent percentage off your monthly premium.

You’ve seen the commercials advertising the savings you could get from switching your regular car insurance to another provider. It seems like every other commercial is one from Geico, Progressive, State Farm or AllState. Although those commercials typically refer to auto insurance for non-risky drivers, the same basic idea applies to high-risk insurance for drivers – you can save money by switching companies 90% of the time.

Of course, if you opt to stay with your current provider, there may be other things you can do to save a few dollars each month on your auto insurance bill. For example, you could take defensive driving classes or maintain a clean driving record for an extended period of time. Some providers may even allow you to combine your auto and home policies for a small discount each month.

If you combine those discounts with the amount you’ll save by breaking your loyalty and changing DUI car insurance providers, you could enjoy more savings than you probably thought was possible with high-risk auto insurance!

What Do You Have to Do to Switch DUI Car Insurance Providers?

Switching car insurance providers has never been easier – even for those with a DUI conviction on their record. To make the process as easy as possible, we’ve outlined a few things that you should do and shouldn’t do to ensure that you are getting the best deal.

DO NOT: inform your current provider that you are thinking of switching

It may be tempting to call your current provider right away and threaten to leave if they don’t offer you a better rate. Although there are many different DUI car insurance providers offering policies to first-time offenders, it is best not to risk abandoning what may be your only option without some kind of backup plan.

Instead, give them a call and find out if they do have any discounts available to you as a customer. If they say no, then politely thank them and start comparison shopping. They don’t have to know that you are looking at other providers until you know you’ll definitely qualify for a policy with another company.

DO NOT: cancel your current policy until you’ve been approved with another company and successfully made the switch

Driving without car insurance is incredibly risky, and could be far more costlyGood news pic than paying the high rates of your current DUI car insurance provider. That’s why it is important not to cancel your existing policy until you are completely set up with your new auto insurance provider. In fact, they may contact your existing provider and cancel the policy for you.

If you were to cancel before the switch is officially made, there’s a good chance you’ll be without car insurance for an unspecified period of time. If you choose to drive without insurance, you could face serious fines, and even jail time. Doing so could also nullify your pending policy with the new company, and leave you paying even more than you were paying with your previous company.

DO: get started by running a no-obligation rate comparison quote

The easiest, most efficient and least confrontational way to find out what you’d pay with a policy from other DUI car insurance providers is to run a no-obligation rate comparison quote. By using the advanced quote platform here at AutoInsureSavings, you’ll be able to get no-obligation quotes from a variety of different DUI auto insurance providers. All you have to do is honestly answer a few simple questions, and you’ll be provided with a price estimate.

Once you have that information, you may want to call the insurance companies that offer the best rates for drivers with DUI convictions. While a phone call is not necessary, it may help you to find out if they offer any kind of discounts that could help you save even more. A phone call may also give you peace of mind by allowing you to confirm that you qualify for a policy with that particular provider.

Once you’ve gotten the peace of mind of knowing that there are other options available to you, you can now call your current provider to see if they can match the best rate you received through your no obligation quote. Because you know that you qualify for better pricing from other providers, you can be a little more forceful on the phone. However, do not cancel your policy right then and there if they fail to oblige with your requests. Rather, wait until everything has gone through with your new provider.

DO: research other DUI car insurance providers

It’s easy to go with the company that offers you the best rate. The lower monthly rate is enticing, but it could be more expensive in the long run. Before you decide to change DUI auto insurance providers, you should research the company.

With a simple search, you’ll be able to find ratings for every car insurance company. Try to find providers that have an A- rating or better – they are usually easier to deal with, particularly if you have to file a claim.

Remember – just because a high-risk car insurance provider offers a better price does not mean they are the best nor the most affordable option available.

Greg Fowler

Greg Fowler

Managing Member of AutoInsureSavings LLC, Greg has been in the insurance industry for 12 years and enjoys rebuilding vehicles. His goal is to help drivers save on anything related to automobiles. Travel and enjoying the outdoors are some of his hobbies. The best way to reach him is at his Twitter or Facebook Profile.

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