"Honestly, I think you're onto something about insurers hitting existing customers harder because they think you're less likely to switch."
Yeah, that's exactly it. Insurers count on a bit of inertia—most people don't bother shopping around unless they're really pushed. A DUI is definitely one of those moments when it's worth the hassle to shop around. Just be careful with smaller specialized insurers though...some offer decent rates, but I've seen a few situations where their claims handling can be slow or frustrating. Always good to check their reputation first.
A DUI is definitely one of those moments when it's worth the hassle to shop around. Just be careful with smaller specialized insurers though...some offer decent rates, but I've seen a few situation...
Haha, insurers definitely bank on us being lazy. When I got my first speeding ticket in my Lexus, my premium shot up like crazy. Took me a whole weekend of comparing quotes to find something reasonable...lesson learned the hard way.
"Haha, insurers definitely bank on us being lazy."
Yeah, that's true to some extent, but honestly, sometimes even shopping around doesn't help much after something serious like a DUI. My cousin got one last year in Idaho and spent days comparing quotes...the difference wasn't huge. He ended up sticking with his original insurer because the smaller companies had sketchy reviews or hidden fees. Sometimes it's less about laziness and more about limited options, unfortunately.
Yeah, sometimes insurers just have you cornered. My neighbor had a similar issue after his DUI—spent hours comparing quotes, and the savings were minimal at best. Makes me wonder...is it even worth switching after something major like that?
Honestly, switching insurers after a DUI usually feels like rearranging deck chairs on the Titanic—you might shift things around, but you're still sinking. My brother-in-law went through this last year in Idaho, and his premiums practically doubled overnight. He shopped around for weeks thinking he'd find some magical loophole or hidden discount, but nope...best he found was maybe $20-30 a month cheaper, which barely made a dent.
The thing is, after something major like that, every insurer sees you as high-risk. Sure, some companies might be slightly more forgiving than others, but don't expect miracles. The real savings come with time—after a few years of clean driving, rates gradually ease up again. Until then, buckle up (no pun intended) because it's gonna sting no matter who you go with.
