Good points there, but have you checked if Idaho offers any kind of DUI diversion programs or defensive driving courses that might help ease the premium spike? Sometimes insurers give a break if you show you're proactively addressing the issue. Also, have you tried shopping around yet? I know it's a hassle, but you'd be surprised how much quotes can vary between companies. Either way, like others said, it does get better with time... hang tight.
Yeah, good point about shopping around—I was skeptical at first too, but after my DUI a couple years back, quotes ranged insanely from one company to another. Defensive driving courses did help a bit, but honestly, not as much as I hoped. Idaho might differ, though... definitely worth checking into. Also, heads up: some insurers gave me better rates once I hit the two-year mark without any new incidents, so patience really does pay off eventually.
Man, reading this thread makes me glad I haven't had to deal with this yet... I'm just shopping for my first policy now and already feel like I'm drowning in quotes. Good to know about the two-year mark though—guess patience really is a virtue, huh?
Yeah, shopping around for insurance can feel like a full-time job at first. Couple quick tips from my experience:
- Definitely compare quotes carefully—sometimes the cheapest isn't always the best coverage.
- Check if bundling home/renters and auto saves you money (it did for me).
- And yeah, that two-year mark is legit. My brother-in-law had a DUI a while back, and his rates were brutal at first... but after two years, things eased up noticeably.
Hang in there, it gets easier!
Yeah, insurance companies can be pretty unforgiving at first—especially with something like a DUI. Had a buddy in a similar boat a few years back, and he said the same thing about the two-year mark. Hang tight, it'll level out eventually...
