Yeah, insurers can definitely be sticklers about that stuff. But honestly, even with a DUI, it doesn't mean you're stuck with sky-high rates forever. I've helped folks find decent coverage after a few years—just gotta shop around a bit and stay patient...
Yeah, that's a solid point. Insurance companies definitely have their quirks—sometimes it feels like they're just waiting for an excuse to bump up rates. A buddy of mine had a DUI a few years back, and at first, his premiums shot up like crazy. He joked that he was single-handedly funding the CEO's vacation home. But after a couple of years of clean driving and shopping around, he managed to find coverage that didn't make him cringe every month.
Patience really is key here. It might feel rough at first, but insurers do eventually ease up if you keep your record clean. Hang in there—it's not forever, even if it feels like it at first.
"Patience really is key here. It might feel rough at first, but insurers do eventually ease up if you keep your record clean."
I get what you're saying, but does it really ease up that much? My cousin had a DUI in Idaho about three years ago, and he's still paying way more than before. Granted, he's not exactly the most patient guy and hasn't done a ton of shopping around... Could it depend a lot on the company or even the city you're in? I'm curious if location within Idaho makes a difference too.
I've noticed location can definitely play a role, even within Idaho. A client of mine had a DUI about four years back in Boise, and his rates did eventually drop noticeably after about three years. But another person I worked with from a smaller town didn't see as much improvement over the same timeframe. Could be insurers see urban areas as higher risk overall, but they also have more competition there, which sometimes helps rates. Wonder if anyone else has seen this difference between city and rural areas?
I've definitely noticed something similar. I'm in a smaller town myself, and after my DUI, the rates jumped pretty high and stayed stubbornly up there for quite a while. One thing that helped me was shopping around every renewal period—sometimes smaller insurers or local agents can offer better deals than the big names. Makes me wonder if anyone's had luck negotiating directly with their insurer after a DUI...might be worth a shot.
