It is very difficult for people with multiple dui records to qualify for a good deal in dui auto insurance. Still, there are plenty of ways on how to get attractive deals. You just need to follow the right approach and demonstrate some great discipline on the road. With the rapidly growing competition in the market, many companies these days are offering low rate policies to even dui offenders. But, you may get access to those offers only when you know where to look out for them. Following is a brief rundown on how to go about it.
Do A Thorough Research
When you are found guilty of a dui offense, especially multiple times, you must expect the premium rates to increase drastically. If that happens, the only option available to you is to look out for other companies that may offer better rates for dui auto insurance. But, make sure you do not cancel your policy straightaway. You must first spend some quality time in doing a thorough research in the market in order to get a good idea about the kind of options that are available out there for situations like these. In this process, you can contact the local brokers or do your search online. Internet is most likely a better alternative, as you can get access to all types of insurance companies there, both small and big. On the other hand, local brokers often work only for the large companies who often do not entertain applications from Dwi offenders. Those who do are likely to charge unusually very high premium rates.
Short List 3-4 Companies
After a couple of hours of research, you will definitely be able to find some companies who have great offers in dui auto insurance. Before you contact them through phone, it will be a better idea to request for free, no-obligation online quotes from them. You can fill out the simple quote forms on their website. Some unscrupulous companies may ask you to make a small amount of payment upfront just to obtain the quotes. Stay away from such companies, as they are scams and they are only interested in your money. While you are requesting for quotes, you must provide sufficient details, such as your personal information, the current rate of premium you are paying, and the types and amount of coverage you want. This way, you will be able to obtain accurate quotes.
Compare The Offers And Then Negotiate A Better Deal
Compare the quotes and find out the best deal for dui auto insurance. Now, give a call to all lenders except the one who is already offering you the best deal so far and ask them if they have something better to offer. The chances are that one of them will offer you a better deal. Now, you can again give a call to rest of the companies and ask if they have any better offer. You can continue with this strategy as long as you want but in a reasonable way. This way, you will definitely be able to find a policy at a very low rate even if you are a multiple-time dui offender.
Overall, it is not very difficult to get attractive offers in dui auto insurance if you know where to look out for and how to move with the process.