How You Can Save on Insurance: One of the ways you can save on your insurance premiums after a DUI is to maintain insurance while you are suspended. This will keep the premiums down a little bit, because you will not be charged the higher rate for uninsured customers. Some insurance companies will also lower the high premiums a bit if you attend Alcoholics Anonymous or Narcotics Anonymous meetings regularly. You can also shop around and look at insurance companies that deal primarily in high risk drivers. These insurance companies will charge higher rates for your DUI suspension than you would pay otherwise, but they will likely be much cheaper than other insurance companies. In fact, some insurance companies will refuse you insurance altogether when you have a DUI on your driving record, and these second chance companies really become your best bet.
Check Your Insurance Policies: Many insurance policies become invalid if you are driving under the influence. This means that if you have a wreck and you are driving under the influence, you are effectively without insurance. You should check your insurance policies to make sure that you are covered while driving under the influence. If you are not, take that as extra incentive not to get any more DUIs in the future. Not only do DUIs raise your insurance, suspend your license, and ruin your driving record, they can also take lives.