Yeah, insurers definitely don't mess around with DUIs. My cousin went through this in Boise—his premiums shot up overnight. But honestly, after a couple years of careful driving and shopping around, it got way more manageable...hang in there, it'll ease up eventually.
Good to know it eases up eventually...but does anyone know if taking one of those defensive driving courses actually helps lower premiums after a DUI? Seems worth looking into.
I've heard mixed things about defensive driving courses actually lowering premiums after a DUI. A friend of mine took one hoping it'd help, but the discount he got wasn't huge—still, better than nothing I guess. Insurance companies might differ on how much credit they give for it. Maybe worth calling your agent directly to see if it's even worth the hassle and cost? Also, wonder if the type or provider of the course makes any difference...
"Also, wonder if the type or provider of the course makes any difference..."
That's a good question. I've wondered about that myself because I've seen courses advertised everywhere—from online-only ones to classroom-based sessions at community colleges or even private driving schools. It seems logical that insurance companies might view them differently, especially since some courses seem pretty thorough while others look like they're just checking boxes.
A couple of years ago, my cousin had a similar situation (though not DUI-related, just speeding tickets piling up). He took a defensive driving class hoping for a decent discount. He said the class itself was actually pretty useful—lots of practical tips and reminders about safe driving habits—but when it came to his insurance premium, the savings were minimal. Still, he felt it was worth it just for the refresher on safety practices.
I'm curious if anyone knows whether insurers in Idaho specifically have preferred providers or certain courses they recognize more favorably? Maybe there's an official list somewhere or some kind of accreditation that insurers look for?
Another thing I'm wondering about is how long these discounts typically last after completing the course. Is it usually just a one-time reduction for the next renewal period, or does it carry forward for a few years? Could make quite a difference in deciding if it's worth the upfront cost and time investment...
I've noticed that too—some courses seem way more legit than others. A friend of mine did an online one after a minor accident, and he said it was basically just clicking through slides... didn't feel like he learned much. Makes me wonder if insurers actually dig into the course quality or just check off a box. Also, do you think age or driving history affects how much discount someone gets from these courses? Seems like they'd factor that in somehow.
