How to Save on DUI Car Insurance

Owning transport vehicles is very much expensive nowadays. There are two reasons as to why this is so:

1. The cost of fuel is rising crazily.
2. The cost of car insurance is rising crazily too.

And one has to take into consideration the cost of maintaining a car and other operation costs as well.

One nightmare to think about is the cost of insurance. Insurance is good because the car owner is assured of any money compensation once something awful happens to the vehicle. Never mind that it's required by law!

Cars are not necessarily cheap, you know.

However, the bad news about insurance is, the yearly premiums to pay can really burn a hole in the wallet. And if nothing bad happens to the car, like it does not get into any accident, or worst, gets car-napped, the money just goes happily into the pockets of the insurance companies. But of course, one does not really wish for anything bad to happen, right?

That's the double whammy when it comes to car insurance.

But then what if an accident did occur? And in the worst possible light possible, the accident occurred because the driver was DUI or driving under the influence?

How does the insurance quote the car owner on that?

First, DUI is against the law. It is practically common sense to not drink and drive!

However when circumstances just occur, how does one save on DUI car insurance? As you likely know, it gets extremely expensive. We looked at some things our friends in Georgia did to lower their costs.

Some companies hold a niche in offering car insurance for those involved in DUI. They might have more competitive and attractive rates than those who does not specialize. Look for those companies as they may offer some very competitive rates, but be sure to include traditional insurance companies as well. Get lots and lots of quotes.

One way to get a lot of quotes quickly is to use online quote tool to canvass the rates available. There are many of online quote tools to choose from. One can see what a state like Georgia is offering at a given time. This saves a whole lot of effort on the car owner's part.

The other thing to remember is that while a DUI is a large "negative" mark, that doesn't mean "positive" marks still don't count! Insurance plans offer discounts for things like students, driving experience, good grades, taking safety courses, and so forth. Take advantage of every one of these discount credits you can, no matter how boring a driving safety class sounds.

If you're not a member, also be sure to check with your auto club for discounts and programs that may help. They may be able to provide you with a good deal on insurance, or help you find programs and classes that will give you discounts.

Also, consider downgrading the car. Older, more inexpensive cars tend to be cheaper to insure. Plus with gas prices nowadays, you might want to downgrade to a smaller vehicle. You may even be able to sell your car for a cheaper one to help pay for the new insurance bill.

Of course, even after much looking around you will find that DUI car insurance will never be what you'd call cheap, so please be responsible and never drive under the influence again!