How to avoid expensive DUI auto insurance

Auto insurance is a safety measure which provides financial protection in case of an accident. It’s a contract between an individual and the insurance company that protects you against any kind of financial loss caused due to an accident or theft. Driving under the influence of banned items is bad for both, you and your finances. When you drive under the influence of alcohol or drugs, you are likely to get yourself or any passenger in the vehicle into an accident and damage your car. It adds a major burden on your pocket and if caught by the police when in an inebriated state, you can even be liable of a fine, jail or even face suspension of your driving license. It severely impacts your car insurance premium as well. Therefore, it becomes necessary to avoid an expensive DUI insurance.

Here are the ways of avoiding the DUI auto insurance.

  • Do not drive without any insurance policy
    It’s important that you drive your car only after having an insurance for it. When you own a suitable coverage plan, you are financially protected in case your car gets stolen or damages.
  • Don’t drink and drive
    Never drink and drive as it’s a fatal combination. If you have had a lot of drinks, then instead of driving yourself, call for a cab or a taxi. In this way, you manage to avoid your DUI insurance.
  • Be a good driver
    Learn to drive properly without taking any risks. Avoid any traffic violations like parking violations, speeding of a car, not following traffic rules, etc since the longer you keep your driving record clean, the better are the chances of avoiding an expensive DUI insurance.
  • Increasing deductible
    It’s the amount that you have to pay for any car insurance claim before your insurance company pays the claim for you. The higher your deductible amount is, the lower is your premium. This helps in reducing the DUI car insurance.

Driving under the influence is dangerous for your health and pocket. So, by looking at the above tips, we can avoid the situation of an expensive DUI car insurance.

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