1. Shop Around: Compare quotes from multiple insurance companies to find the best rates. Some insurance companies may be more lenient than others when underwriting drivers with DUI convictions.
2. Apply Early: Don't wait until your insurance policy is about to expire. Start shopping around and applying for insurance well in advance to give yourself time to find the best deal.
3. Look for Specialized Insurance Companies: Some insurance companies specialize in providing coverage for high-risk drivers, including those with DUI convictions. These companies may offer more competitive rates and options than standard insurance companies.
4. Consider a Non-Owner Policy: If you don't own a car but still need occasional coverage, you can consider a non-owner policy. This type of insurance covers you when you drive other people's cars.
5. Install an Ignition Interlock Device (IID): Some states require drivers with DUI convictions to install an IID in their vehicles. Having an IID can demonstrate to insurance companies that you are taking steps to reduce your risk of drunk driving and can potentially lead to lower insurance rates.
6. Take a Defensive Driving Course: Completing a state-approved defensive driving course can show insurance companies that you are committed to improving your driving behavior. This can help lower your insurance rates.
7. Check Your Driving Record: Make sure your driving record is accurate and up-to-date. Any errors or inconsistencies can lead to higher insurance rates.
8. Consider Usage-Based Insurance: Usage-based insurance (UBI) policies set your rates based on your actual driving habits. By driving safely and responsibly, you can earn discounts on your insurance premium.
9. Look into State-Assigned High-Risk Pools: Some states have high-risk pools or assigned risk plans that provide auto insurance to drivers who cannot obtain coverage through standard insurance companies. These pools typically charge higher premiums but offer coverage options for high-risk drivers.
10. Consider a Rideshare or Carpooling: If you have difficulty obtaining affordable auto insurance, you can consider using rideshare services or carpooling to reduce your need for a personal vehicle.
It is important to note that getting auto insurance after 2 DWIs can be more expensive and challenging than with a clean driving record. Be prepared for higher premiums, and keep in mind that the process may take some time and effort to find the best coverage options. Always be honest with insurance companies about your driving history, as providing false or misleading information can have serious consequences.
