Convicted Of A DUI? Two Tips To Help You Get Affordable Car Insurance Protection
Few things can be as devastating to your car insurance premium rates as being convicted of driving under the influence (DUI.) Although it may not be mandatory in your state that your insurer raise your rate, your DUI conviction makes you a higher risk motorist and providers often charge you more because of that risk. While it may seem that there's nothing you can do to get a more reasonably priced insurance rate, you do have options. Use this information to learn more about two things you can do right away to help get a budget-friendly car insurance premium.
Enroll In And Complete A Defensive Driver Course
The first thing you should do when you're on the quest for a lower insurance rate is enroll in and complete a defensive driver course. These courses are designed to transmit a range of skills that can help you avoid an accident. If you can pass this class, you could find that you become eligible for a discount.
Understand that insurance companies calculate your premium by using certain algorithms. The algorithms essentially estimate the chances that you'll get into an accident. DUI's often affect your rates so profoundly because it shows irresponsibility. However, if you've learned the error of your ways and are ready to be a responsible motorist, start with a defensive driver course.
During the course, you'll learn about things such as the right ways to pass, safe driving distance and how to modify your driving according to the weather. Knowing and practicing these kinds of things makes you a safer driver. This can, in turn, mean that your insurance rate decreases.
Modify Your Usage
The next thing you want to do after a DUI conviction is consider modifying your usage. You want to spend as little time on the roads as possible as long as you're seen as a high risk.
There are several ways to cut down on the amount of time that you spend on the road. Move closer to work, find another job or even ask your employer if you can work from home. Once you've made the necessary changes call up your insurer and update your usage with them.
Even though you've been convicted of a DUI you don't have to think that you're stuck with astronomical insurance costs for the rest of your life. After a conviction, start using these tips immediately so you can realize the savings. For more information, visit sites like http://www.greatnortherninsuranceagency.com.
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