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The Shotgun Approach: Why Get Multiple Quotes Works
Getting car insurance quotes from several companies is a good place to start because you’ll understand the range of the rates you’ll be working with. You can eliminate any extremely high cost providers and those that won’t accept you.
While a company like Progressive may be the cheapest in some areas, it’s not necessarily the case everywhere. There are local options that may suit you better, but the only way to find out is to look.
This shotgun approach of getting several quotes is the way to go unless you know of a company that gives breaks on rates to people with DUIs. You need to get started by getting your new driving profile out there to see what the rates will be.
If you weren’t dropped by your current provider, you could be better off staying, but I advise to try the quote tool below because it certainly can’t hurt.
The Targeted Approach: Pick a Company and Get One Quote
In order to figure out which of the best car insurance providers you can target, I went through the quote process for five of the highest rated insurance companies.
Progressive came out as the most affordable provider, given the profile for someone with a recent DUI. However, keep in mind that these results are only only based on one location and one profile.
Two of the companies (StateFarm and Liberty Mutual) would not provide a quote after entering in the DUI citation so they may not even cover you.
In order to accurately compare the quotes across all the providers, I had to standardize my information by creating a profile of a person.
Here’s the profile I used for each quote:
- 28 years old
- Single
- Male
- Living in Seattle
- Driving a 2012 Ford Escape
- Cited for driving under the influence in 2013
Here’s a list of each company and quote prices based on the above profile:
Progressive — $177/month
Allstate — $295/month
StateFarm — No quote provided