You're definitely right about the insurers being strict on DUIs. Another thing worth mentioning is that some Idaho insurers offer what's called an SR-22 filing after a DUI, which is basically proof of financial responsibility. Unfortunately, it usually adds another layer of cost onto your premium...so yeah, it's tough all around.
"Unfortunately, it usually adds another layer of cost onto your premium...so yeah, it's tough all around."
Yeah, that's rough. A buddy of mine had to deal with the SR-22 thing a couple years back, and he said it was a real headache. Do you know if that filing stays on your record as long as the DUI itself does, or is it shorter?
Had a similar situation myself—SR-22 lasted about three years, but the DUI stayed on my record longer. Definitely not fun dealing with that paperwork and extra cost every renewal...
Mine jumped quite a bit after my ticket, and I wasn't even dealing with a DUI. Can't imagine how steep it gets with one of those on your record... Have you tried shopping around different insurers? Sometimes there's a big difference.
"Have you tried shopping around different insurers? Sometimes there's a big difference."
Shopping around is definitely worth a shot, but honestly, with something as serious as a DUI, the spike's gonna be pretty harsh no matter where you go. Had a buddy in Boise who got one, and even after switching insurers, his rates stayed high for years...
