Can I Get Affordable Auto Insurance If My Spouse Has a DUI or DWI?

So your spouse made a mistake and got a DUI/DWI. How does this affect your insurance? Can you still get affordable car insurance if your spouse has a DUI or DWI? Today, we’re answering all your questions about how your spouse’s drunk driving violations affect your insurance rates.

Vehicle Insurance Companies Base Rates Off Every Driver in your Household

The first and most important thing to note about this issue is that the insurance company will not likely ignore it. Insurance companies base their rates on the perceived risk factor of your vehicle. To make that rate, they assess the risk factor of every driver in your household – including the vehicle’s owner and any other drivers. They look at the individual’s age, gender, and driving history.

Even if you hold the insurance policy and own the vehicle, your insurance will go up after your spouse gets a DUI or DWI. You are living with a high-risk driver, and your rates will almost certainly increase.

That’s the bad news. However, there are ways to avoid the high costs of insurance after a DUI or DWI.

Read more:

• How a DUI and DWI Affect Your Auto Insurance Rate
• Affordable Auto Insurance Companies After a DUI

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

Insurance Companies Let You Exclude Certain Drivers, Depending on your Policy

Some insurance companies will let you exclude a driver from your policy. If you guarantee that your spouse will never drive the vehicle, for example, then you can avoid the high insurance costs.

This is where insurance companies have different policies. Some insurance policies only extend to one listed driver. You need to specifically add extra drivers to your insurance policy by informing your insurer. Otherwise, nobody in your household can drive your vehicle except you.

Other insurance companies have a more open policy: your policy automatically extends to every driver in your household, including the policyholder’s spouse and children. If your insurer uses this policy, then your spouse’s DUI will have a major impact on your insurance rate.

Ultimately, you need to contact your insurer to find out if your spouse is listed as a driver on your insurance policy. If he or she is listed, then you can almost certainly save money by excluding your spouse from your policy.

How to Exclude your Spouse from your Policy

So you’ve contacted your insurance company and you want to exclude your spouse from your insurance policy. Obviously, the cost of insurance with a DUI/DWI is prohibitively expensive for many families. Insurance companies may even refuse to insure you.

Before excluding your spouse from your policy, make sure you’re the registered owner of the vehicle. If you own the vehicle jointly, then you may or may not be able to exclude your spouse from the policy (talk to your insurance company to see if it’s possible to exclude your spouse in this situation).

If you try to exclude the registered owner of a vehicle from the vehicle’s insurance policy, it will probably cause problems. Insurance companies have been known to cancel your policy or refuse to renew it in this situation.

For simplicity’s sake, make sure you’re the registered owner of the vehicle before you try to exclude your spouse. If you’re not, transfer the ownership to your name.

Read More: Can I Remove My Spouse From My Auto Insurance?

What If My Spouse Still Needs to Drive?

So your spouse is excluded from your vehicle’s insurance, but they still need to drive. What do you do?

In situations like this, households often choose to insure a driver under a separate policy. If your spouse has a license and can still legally drive, then they can order a separate policy while still being excluded from the family’s main policy. Typically, this is used for teenagers when they receive their first car, but it can also be used by families where one member received a DUI.

Sometimes, having two separate policies won’t save you money. You may be better to bundle it all under your single family policy – even if your rates are significantly higher after the DUI/DWI. In general, if you just have one vehicle covered under your policy, then it won’t cause rates to rise too ridiculously high after a DUI – but if you have two or more vehicles, it may be best to get a separate policy.

Read more: Adding Your Spouse To Your Auto Insurance Policy

What Happens if an Excluded Driver Gets in a Collision?

If your spouse drives your vehicle after being excluded from your policy, then it’s obviously not ideal.

In this situation, any damage incurred to the vehicle will not be covered by your auto insurance. The insurance company will deny the claim, and the vehicle’s owner will be responsible for paying any damage out of pocket (including any lawsuits, property damage, or other damages that occurred as a result of the collision).

It gets worse: if you allow an excluded driver to use your vehicle, then you could be charged with insurance fraud. This will lead to a cancellation of your insurance policy and possible criminal charges.

After your policy is canceled, it will be virtually impossible to get affordable vehicle insurance.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

Navigating Affordable Auto Insurance with a Spouse’s DUI or DWI

Securing auto insurance with a DWI can be challenging, especially if your spouse has a DUI or DWI on their record. However, finding car insurance for DUI is not impossible, and there are ways to obtain coverage at reasonable rates.

While cheap auto insurance with a DUI may seem elusive, exploring options tailored to your specific circumstances, such as Arizona car insurance after a DUI, can help mitigate the financial impact.

Insurers like Erie Insurance may offer specialized policies, such as a DUI insurance policy by Erie, to accommodate drivers with past infractions like a DUI. If your husband got a DUI, it’s crucial to research providers that offer affordable car insurance with a DUI and compare quotes to find the best fit.

In states like California, car insurance with a DUI may be more costly, identifying the best auto insurance with a DUI involves considering various factors such as coverage options and premiums. While finding the best car insurance after a DUI can be daunting, diligent research and comparison shopping can help you secure cheap auto insurance with a DUI that meets your needs.

Finding Affordable Auto Insurance Despite Your Spouse’s DUI or DWI

Securing car insurance after a DUI in Florida may seem daunting, but it’s possible to find coverage even with a DUI or DWI on your spouse’s record. When searching for car insurance for DWI, it’s essential to consider your liability if your spouse gets a DUI.

While your spouse’s infraction can impact your premiums, exploring options for affordable DUI insurance can help mitigate the financial burden. Some insurers specialize in providing auto insurance for DUI cases, offering tailored policies to meet your needs.

While cheap car insurance with a DUI may be challenging to find, it’s not impossible. By researching the cheapest DUI insurance options and comparing quotes, you can identify insurers willing to provide coverage at reasonable rates.

Understanding the process of obtaining car insurance after a DUI is crucial, especially in states like Florida where DUI car insurance rates in Florida may be higher. Exploring insurance after DUI infractions involves considering various factors such as policy exclusions and coverage limits.

Additionally, seeking DWI auto insurance requires a careful review of available options to ensure you find a policy that fits your budget and provides adequate protection.

Whether you’re searching for auto insurance after a DUI or cheap DUI insurance in Florida, conducting thorough research and comparing quotes can help you secure the coverage you need at an affordable price.

Securing Affordable Auto Insurance Despite Your Spouse’s DUI or DWI History

While some insurers may offer cheap DUI insurance, others specialize in providing coverage for individuals with a history of driving under the influence.

It’s essential to explore options for DWI car insurance that cater specifically to your circumstances, as traditional insurers may levy higher premiums for those with DUIs or DWIs. Understanding the relationship between DUI and auto insurance is crucial, as it directly impacts your ability to secure affordable coverage.

When seeking DWI auto insurance, it’s essential to compare quotes and policies to find the most suitable option. Some insurers specialize in DUI auto insurance, offering competitive rates and flexible coverage options.

While having a spouse with a DUI can affect your insurance premiums, it’s essential to determine the best DUI insurance strategy for your situation. Researching the best car insurance for someone with a DUI can help you identify insurers that are more lenient toward drivers with past infractions.

Additionally, understanding your liability if your spouse gets a DUI is crucial for protecting your finances and assets. Whether you’re searching for DUI insurance in Colorado or DUI/DWI car insurance quotes in California, exploring different insurers and policies is key to finding car insurance with a DUI that meets your needs and budget.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

Navigating Affordable Auto Insurance When Your Spouse Has a DUI or DWI

Finding DUI car insurance can be challenging, especially if your spouse has a history of DUIs. When looking for car insurance with two DUIs, it is crucial to shop around and compare quotes from various insurers. This is particularly true in states like New Jersey, where DUI car insurance rates in NJ can be significantly higher.

Some companies specialize in DUI auto insurance and offer better rates for high-risk drivers. To mitigate the impact on your premiums, you might consider excluding your spouse from car insurance policies if they are the primary high-risk driver. Doing so can help you maintain more affordable rates for yourself while still ensuring that your spouse has the necessary coverage through a separate policy.

The impact of DUI and car insurance is substantial, often leading to increased premiums or difficulty in finding coverage. Many providers offer car insurance after DUI through special programs or policies aimed at high-risk drivers.

If your spouse has a DWI, you will need to explore DWI insurance options that cater to such circumstances. Ensuring you get the best DUI car insurance policy involves understanding your options and possibly separating your policies.

Car insurance spouse coverage can be affected significantly if your spouse has a DUI, but by comparing car insurance with a DUI rates and opting for specialized auto insurance with a DUI, you can still find affordable solutions. Always consider consulting with insurance experts to navigate the complexities of car insurance if you have a DUI and to secure the best possible rates.

Conclusion

Ultimately, when your spouse gets a DUI/DWI, it makes it difficult – but not impossible – to find affordable vehicle insurance. Your best option is to exclude your spouse from your policy, and then prevent your spouse from driving your vehicle.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption