Okay so hear me out I need advice. So in 06/24 I had got a dui (going through divorce and tried to unawake myself via car I failed but caught a charge) I don’t have a drinking problem just was in a rough spot. I did do everything required after a dui. My rate did go up from $90-$110 per month for a 2020 Highlander to about $300ish. I confirmed with my insurance it was from that event in 06/24. In 01/25 after rebuilding life I decided to buy my dream car this being a 2024 sports car (think orange car from the first Fast and Furious) I checked the rate to confirm I can afford it and it was like $500 I thought that’s not that bad especially with my history. Well today (03/26) I got a call from my agent saying my rate will change to $1500 per month due to the dui! I can’t afford that! Turns out my dui never hit my insurance only the “accident” ! I now realized I actually didn’t get convicted of the dui until 03/25 almost a year ago and somehow not until now is my rate getting affected. I wouldn’t have purchased the car knowing this! Any ways I do live with my brother he has his own insurance policy and vehicles but also the same insurance agent. I know the rules of if someone drives the car more than once a month they should be put on one’s policy. But me going into it would increase rates for all 5 ish car he owns. I am thinking of “selling” him the car at what I still owe on the car and him insuring it. I’m currently not excluded on any of his vehicles. Would doing this work? Help! Also go ahead and grill me about the dui, I recognize my mistake and take full responsibility and criticism.
Posted by Secret_Mulberry_7118