Coping with DUI Convictions: Your Guide to Auto Insurance

Dealing with the repercussions of a DUI conviction can be a complex process, involving several challenges, including addressing insurance needs. At Michael Taylor Agency in Columbia, SC, we extend our expertise to help drivers convicted of DUI navigate through their insurance options.

Opt for Comprehensive-Only Coverage

If your license has been suspended after a DUI conviction and you’re not driving your vehicle, it may be beneficial to switch to comprehensive-only coverage. This insurance protection safeguards your car against potential damages while it’s not in use, including threats like theft, vandalism, and natural disasters. Such a switch can help you significantly reduce insurance costs during the suspension period. Please remember such a policy warrants that you or anyone else isn’t driving the vehicle.

Consider Raising Deductibles

Another effective strategy to reduce your premiums following a DUI conviction is to raise your deductibles. This implies agreeing to bear a higher expense out-of-pocket in the event of raising a claim, which correspondingly lowers your monthly insurance payments. Make sure you can comfortably afford the higher deductible before making this choice.

Scout for the Best Insurance Provider

Shopping around for insurance and comparing quotes from different companies is always a prudent approach, particularly after a DUI conviction. Some insurance providers may offer more affordable rates than others. At Michael Taylor Agency, we help you analyze multiple auto insurance policies from varied insurers. We’re here to assist, whether it’s your first DUI conviction or a repeated offense. Get in touch with our team in Columbia, SC, today for a personalized, affordable auto insurance solution.