I've wondered about negotiating too, but honestly, are insurers even open to that after something like a DUI? Seems like they'd have pretty strict policies in place. I guess if you've been with them for years and have a clean record otherwise, they might offer some wiggle room. Has anyone actually had success doing this directly? I'm cautious by nature, so I've always just shopped around carefully rather than trying to haggle directly...but maybe I'm missing out.
Buddy of mine tried negotiating after his DUI—longtime customer, clean record otherwise, all that jazz. They basically laughed him off the phone. Shopping around turned out way better... saved him a good chunk of change. I'd skip the haggling, personally.
Yeah, negotiating after a DUI is usually pretty tough...insurance companies see it as a big red flag. Did your buddy end up with comparable coverage after switching, or did he have to accept a downgrade to keep costs manageable? Sometimes the cheaper options come with hidden downsides—higher deductibles or limited coverage. Always worth double-checking those details, especially after something like a DUI shakes things up.
Had a friend go through something similar a couple years back. He thought he'd found a great deal after his DUI, but turns out the lower premium came with a deductible that was sky-high. Didn't realize it until he had a minor fender-bender and ended up paying way more out-of-pocket than he expected. Definitely pays to read the fine print carefully—sometimes saving upfront can cost you big later on.
Yeah, your friend's experience is pretty common, actually. A lot of people jump at the first lower premium they see after something like a DUI, without really digging into the policy details. From what I've seen, insurers often offset the risk of covering drivers with DUIs by either jacking up deductibles or limiting coverage options. So, even if your monthly payment looks decent, you're taking on more financial risk if something does happen.
It's always worth taking a step back and comparing policies carefully—look beyond just the monthly price. Check deductibles, coverage limits, and exclusions closely. If a deal seems too good to be true after a DUI, it probably has hidden downsides somewhere. Also, remember that shopping around regularly can help; rates change all the time depending on how insurers recalculate risk.
