In this quick article we want to show you that there are a few things you can do to help get cheap car insurance quotes (as low as possible at least) even with a DUI, bad record, or at-fault accident.


There are a few sneaky little strategies you can use to try and keep your rates low even with a DUI or bad record.

How you can do it:

  • You need to go with an Independent Car Insurance Agency. (That’s extremely important here!) Because in most cases, an independent car insurance agent (like us) has access to more companies than the average insurance company. We have specific companies that work well with bad records and your independent agent can connect you with these companies.
  • Another strategy to consider: If you have a roommate, or parent that lives with you and they have a good record, you may be able to add them to your policy, or join them on their policy and tap into their personal discounts, thus “overriding” your personal bad record. (Check with your independent agent to see if this is a beneficial route to go)
  • Switch vehicles. I know you don’t want to hear it, but you may need to strongly consider switching from a full coverage vehicle, to an inexpensive liability only vehicle.  This is one of the top money saving tactics. Insurance is heavily based on the type of vehicle you drive. So for a while, it may make sense to drive an older car until your bad record is removed.
  • Going forward, drive smart, and be patient. Most incidents will only last 3 years on your record. So if you do have something on your record now, make sure you don’t get anything else! Remember, the more reckless you drive, the more you’ll pay each month!

Pop in your zip below and let’s find you the CHEAPEST RATES (even with a bad record!)