Good to know smaller companies might be more forgiving. Wonder if that's true everywhere or just an Idaho thing? I've always assumed the big guys had better deals, but maybe not after something like a DUI... Might have to rethink my strategy if I ever run into trouble (knock on wood). Thanks for sharing your cousin's experience, definitely food for thought.
"Wonder if that's true everywhere or just an Idaho thing?"
Good question—I doubt it's just Idaho. Smaller companies probably have more flexibility to look at individual circumstances, while the big names might rely heavily on standardized risk assessments... just guessing though. I've heard similar stories from friends in other states too, so maybe there's something to it. Still, I'd imagine it varies quite a bit depending on the specific company and even the agent handling your case. Definitely worth shopping around and asking detailed questions if (heaven forbid) you ever find yourself in that situation. Knock on wood indeed... better safe than sorry.
Still, I'd imagine it varies quite a bit depending on the specific company and even the agent handling your case.
Yeah, I doubt it's just Idaho either. Buddy of mine in Arizona had a DUI a few years back and his insurance went through the roof—he ended up switching companies twice before finding something reasonable. Seems like it's all over the map... depends who you talk to.
Yeah, sounds about right. Had a buddy here in Oregon get dinged for a DUI last summer, and his premiums practically doubled overnight. He shopped around, but honestly...there wasn't much relief. Seems insurers everywhere are pretty cautious these days.
"Seems insurers everywhere are pretty cautious these days."
Yeah, no kidding. Got a DUI back in 2021 and my rates here in Idaho jumped almost double overnight. Even after shopping around and taking defensive driving courses, it barely budged. Honestly, it's just not worth the risk anymore...
