That SR-22 reset is rough—been there too.
Did you notice if certain insurers were more forgiving about late payments, or is it just a hard line across the board in Idaho? I found some companies were stricter than others, but maybe that's changed.Missed one payment once and had to start the SR-22 clock all over... brutal.
Yeah, that SR-22 reset is the worst. I’ve noticed what you said—some insurers really do come down hard, while others are a bit more chill about a late payment.
Last year, mine gave me a tiny grace period, but my buddy’s got canceled right away. Seems like it depends who you’re with and maybe even which agent you get. Idaho’s rules are strict, but the company can make a big difference.I found some companies were stricter than others, but maybe that's changed.
How Bad Does It Get in Idaho After a DUI?
I’ve been poking around looking at insurance for the first time (not for a DUI, just regular stuff), and honestly, I was surprised at how different the companies are about everything. Like, I get what you’re saying about some being strict and others more chill, but I kinda thought Idaho law would force them all to act the same way with SR-22s and late payments. Guess not.
But here’s the thing—I talked to a couple of agents (just shopping around, nothing official yet), and one of them actually said that even though Idaho’s got tough rules, sometimes the “spike” after a DUI isn’t as wild as people make it sound. It’s still a big jump, don’t get me wrong, but it’s not always double or triple. Depends on your record before, and if you’ve got other stuff on there, like speeding tickets or whatever. I think a lot of folks just hear horror stories and assume it’s always the worst-case scenario.
Also, one agent mentioned that some companies will drop you for a late payment, but others just tack on a fee and let you keep going. I guess it’s not just about the company but also the person you talk to—like, some agents are way more helpful than others. My cousin had his policy canceled after missing a payment by two days, but my neighbor’s insurance just called her up and let her pay late with no drama. Kinda feels like there’s no real “rule,” even though there are rules.
Anyway, I’m still learning all this stuff, but it seems like shopping around and actually talking to people makes a difference. Not every company is out to get you, even after a DUI. Some are just stricter than others, but it’s not always doom and gloom. Maybe it’s just luck of the draw sometimes...
Yeah, I’ve noticed the same thing—there’s a lot of “it depends” with insurance in Idaho. People love to throw out those nightmare numbers, but honestly, my buddy got a DUI last year and his rate went up about 60%, not double or triple. Still hurts, but not as catastrophic as some make it sound. The late payment thing is wild too. I’ve had companies just slap on a $10 fee, while others act like you committed a crime. It’s weirdly inconsistent for something that’s supposed to be regulated. Shopping around really does matter more than people think...
Yeah, that’s been my experience too—there’s a lot of hype around how bad it can get, but the reality isn’t always as dramatic. I remember when my neighbor got a DUI, he braced for his premium to triple, but it was more like a 50% bump. Still rough, but not the end of the world. The late payment thing is just bizarre though. You’d think there’d be more consistency with how they handle it, but nope... seems like every company has its own playbook. Shopping around really does pay off, even if it’s a hassle.
