Hypothetically speaking, say someone (definitely not me, just a friend of a friend type thing, you know...) got pulled over last weekend and ended up with a DUI charge. They're freaking out about how much their car insurance is gonna skyrocket. I've heard horror stories about rates doubling or even tripling, but I don't know if that's exaggerated or what. Rhode Island's pretty small, so maybe the insurance companies here are extra harsh or something?
Anyway, I'm just curious—if this happened to you, would you shop around for new insurance right away or stick it out with your current provider and hope they don't jack up your rates too badly? Or maybe there's some kind of special program or loophole that helps soften the blow? Honestly, I have no clue how this stuff works, so any insight would be awesome.
