"If a deal seems too good to be true after a DUI, it probably has hidden downsides somewhere."
I get what you're saying, but I wouldn't automatically assume every cheaper policy after a DUI is hiding something sketchy. When I was shopping for my first insurance policy (no DUI, thankfully, but still had to do a ton of research), I noticed some smaller or regional insurers genuinely offered better deals because they're trying to compete with the big guys. Sure, you gotta be careful and read the fine print—deductibles, coverage limits, exclusions—but don't dismiss a lower premium outright just because it seems too good.
My advice: make a checklist of what coverage you absolutely need, then compare policies side-by-side. Sometimes you'll find a legit good deal without hidden traps. It's not always about hidden downsides; sometimes it's just smart shopping and knowing exactly what you're looking for.
Yeah, smaller companies can definitely surprise you sometimes. After my cousin got a DUI, he assumed he'd be paying crazy rates forever, but he shopped around and found a local insurer that was way cheaper than the big names. He checked the fine print, coverage was solid, no sketchy loopholes. So yeah, it's not always a trap—just gotta do your homework and stay realistic about what you're getting.
