How to Avoid Increased Insurance Rates After a DUI

Even if you are cleared of a DUI, your auto insurance company may still increase your rates, just because you were arrested. It's their right to increase your rates for the arrest, but it's your right not to notify them unless you're actually convicted. Here's how to avoid increased insurance rates.

Instructions

Difficulty: Moderate

1. Retain a good DUI attorney after your DUI arrest, if you're able to afford one. FindLaw and DUI.com both have extensive links to DUI attorneys in your area (see Resources below).
2. Ask your attorney early on how you can avoid increased insurance rates after a DUI conviction. He or she can coach you on what to say to your insurance company and when you should say it. Understand that you will experience some level of increased insurance rates unless your case is dismissed.
3. Ask your attorney about DUI support groups in your area. By talking with others, you may not only gain some comfort, but you can also get peer advice for finding good car insurance and coping with financial pressures caused by your DUI charge.

Tips & Warnings

• In some states, you'll be required to provide the court with a proof of insurance form, which comes from your insurance company. Consult with your attorney as to how you might get this without raising an alert.
• A DUI conviction has financial ramifications, so expect to pay several thousand dollars, at minimum, during the course of the proceedings.
• Expect increased insurance rates for many years to come. It's nearly impossible to avoid increased insurance rates after a DUI--be happy if you are able to maintain your current car insurance at all.
• Some insurance companies may court you after a DUI conviction. Don't jump ship from your current policy until you hear the premiums these "high-risk driver" companies offer--they are significantly higher.