Hey, it happens. Sometimes we make a mistake and end up in a situation we didn't intend. It doesn't mean you can't get car insurance, it just changes the finances. Now, I can only speak for the State of Michigan, but I don't imagine it's very different in other states.
When your insurance company finds out you got a DUI(and they will), they will, most likely, cancel your policy as you're no longer eligible to be covered under a standard company. There are, however, other nonstandard companies that will be happy to insure you, at a price. Companies such as Titan/Victoria, Progressive, Bristol West, and others will still insure you. Now, I'm assuming you still have a valid license(If not, it'll be more difficult).
It wouldn't surprise me if your premiums tripled or more with these companies but there are ways to help manage your costs. If you look at the quotes from these companies, you'll probably see that more than half the premium is in the physical damage coverages(comprehensive and collision). If you can live without these coverages, you can save a lot of money, but be aware that they will not fix your car if you have damage. Also, if your car is leased or financed, you're bound by contract to carry these coverages. In this case, you can raise deductibles but it won't make a huge difference. Don't skimp on the liability coverages, these are much more important.
Now the bad news. You may not be eligible to be insured with a standard carrier for up to 5 years. And you thought the fines and court costs were high. This is where it really hurts.
I hope you have a good agent, he/she is your best friend right now. Work with them and see what you can do to minimize your costs without sacrificing the most important coverages
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When your insurance company finds out you got a DUI(and they will), they will, most likely, cancel your policy as you're no longer eligible to be covered under a standard company. There are, however, other nonstandard companies that will be happy to insure you, at a price. Companies such as Titan/Victoria, Progressive, Bristol West, and others will still insure you. Now, I'm assuming you still have a valid license(If not, it'll be more difficult).
It wouldn't surprise me if your premiums tripled or more with these companies but there are ways to help manage your costs. If you look at the quotes from these companies, you'll probably see that more than half the premium is in the physical damage coverages(comprehensive and collision). If you can live without these coverages, you can save a lot of money, but be aware that they will not fix your car if you have damage. Also, if your car is leased or financed, you're bound by contract to carry these coverages. In this case, you can raise deductibles but it won't make a huge difference. Don't skimp on the liability coverages, these are much more important.
Now the bad news. You may not be eligible to be insured with a standard carrier for up to 5 years. And you thought the fines and court costs were high. This is where it really hurts.
I hope you have a good agent, he/she is your best friend right now. Work with them and see what you can do to minimize your costs without sacrificing the most important coverages