"Makes you wonder why insurers don't reward practical, hands-on training more..."
Exactly. Insurers seem stuck on ticking boxes rather than actual driving skills. But realistically, how long would a hands-on course need to be before insurers took it seriously enough to lower premiums after something like a DUI? Seems tricky...
Honestly, insurers aren't just ticking boxes—they're crunching numbers. I once had a client who did a pretty intensive weekend driving course after his DUI, but the insurer barely blinked. Makes me wonder, what kind of training would actually move the needle for them...?
"Makes me wonder, what kind of training would actually move the needle for them...?"
Yeah, good question. Maybe insurers see those weekend courses as just quick fixes? Wonder if they'd take something longer-term or more intensive seriously—like a multi-month program or ongoing monitoring. Anyone tried something like that?
I haven't personally tried a long-term program, but my cousin did something similar after his DUI. He enrolled in a 3-month intensive course with regular check-ins and counseling sessions. From what he said, it actually helped lower his insurance rates a bit—not dramatically, but enough to notice. Maybe insurers see ongoing commitment as a better indicator of responsibility than just ticking off a weekend class? Could be worth looking into...
That's a good point about insurers valuing long-term commitment to responsibility. From what I've read, Idaho insurers can indeed offer modest discounts or rate adjustments if you're proactive after a DUI, especially by enrolling in extended programs or counseling. Still, the impact varies widely depending on your insurer and driving history. It won't erase the spike completely, but showing genuine effort through structured programs definitely seems to help soften the blow a bit...
