Yeah, totally agree—telematics won't help much right after a DUI. Usually, the real savings come after you've kept a clean record for a couple years. Patience helps, but it does get better eventually... hang in there.
Yeah, that's pretty spot-on. Had a client last year who got hit with a DUI in Boise—his premium basically doubled overnight. Telematics barely made a dent initially, but after about 3 years clean, things finally started easing up. It's a long haul, but doable.
"Telematics barely made a dent initially, but after about 3 years clean, things finally started easing up."
Yeah, telematics can be hit or miss at first. My brother-in-law had a similar situation in Idaho Falls—his rates shot up like crazy after a DUI. He tried telematics hoping it'd help, but honestly, it didn't do much for the first couple years. Eventually, though, it did start to chip away at the premium. Makes me wonder if certain insurance companies handle telematics differently after a DUI... anyone know if switching providers after a year or two makes a noticeable difference, or is it better to just stick it out with one company?
I had a similar experience a few years back after a DUI here in Boise. My premium nearly doubled overnight, and telematics didn't seem to help at all initially. Honestly, I considered switching insurers after the first year, but when I shopped around, most quotes weren't significantly better. Sticking it out with my original provider ended up being the smarter move—after about two and a half years, my rates finally started dropping noticeably... guess patience pays off sometimes.
I've never had a DUI myself, but I've heard similar stories from friends. Curious, did you try taking any defensive driving courses afterward? Sometimes insurers offer discounts if you complete one, even after an incident like this... might help speed things along.
