Interesting point about smaller insurers—I've heard similar stories. Curious though, does anyone know if classic car policies typically handle DUI incidents differently than standard auto insurance? Seems like specialized coverage might have unique considerations...
Classic car policies usually have some unique quirks, and DUI handling is definitely one of them. From what I've seen, specialized insurers often have stricter underwriting guidelines upfront—meaning they're pickier about who they cover in the first place. If you do get a DUI while covered, these specialty insurers can sometimes react more severely than standard companies. I've known people whose classic car coverage was flat-out canceled after a DUI, forcing them back into the standard market with sky-high rates.
On the other hand, if you're able to maintain coverage, the spike might actually be less intense compared to a typical policy, simply because classic car policies often base premiums on agreed value and limited mileage rather than daily driving risk. But don't bank on it—any DUI is going to hurt your wallet and complicate your insurance picture for years. Bottom line: specialized coverage isn't necessarily friendlier to DUI incidents; it's just different in how it assesses risk.
Yeah, classic car insurers can be pretty ruthless about DUIs—seen a few clients lose coverage overnight. In Idaho, expect a steep jump either way...though mileage limits might soften the blow slightly. Still, wouldn't count on it being gentle.
Yeah, insurers definitely don't mess around with DUIs, especially in Idaho. Had a coworker a couple years back who got hit with one, and his insurance basically doubled overnight—even though he drove an older truck and kept mileage pretty low. Mileage limits helped him a tiny bit, but honestly, not enough to make a real difference. Makes me wonder if there's much wiggle room or if insurers just see DUI and automatically crank up the rates...? Seems harsh, but I guess they're covering their bases.
Yeah, that sounds rough. I'm shopping for insurance for the first time right now, and even without any tickets or anything, the quotes are already making me sweat a bit. Can't imagine how tough it'd be with a DUI on record. From what I've seen, insurers seem pretty strict about it—probably because they see it as a big risk. Hopefully your coworker's rates ease up after a few years of clean driving...
