Designated Driver Insurance: Everything You Need to Know

Introduction

Driving under the influence is a serious offense that can have severe consequences. A DUI conviction can result in hefty fines, license suspension, and even jail time in some cases. However, there are ways to avoid getting behind the wheel after consuming alcohol, and one of them is by using a designated driver. Designated drivers are individuals who agree to not drink and drive, ensuring their friends and family arrive home safely. But, what happens if the designated driver gets in an accident? In this article, we will explore everything you need to know about designated driver insurance.

What is Designated Driver Insurance?

Designated driver insurance is an optional auto insurance policy that provides coverage for individuals who drive another person’s car after consuming alcohol. This coverage is designed to protect the designated driver against any damages or injuries they may cause while driving the vehicle. Unlike traditional insurance policies, designated driver insurance only covers the driver when they are operating a vehicle other than their own.

How Does Designated Driver Insurance Work?

Designated driver insurance works by providing coverage for the driver when they operate another person’s vehicle. This coverage typically includes liability insurance and collision insurance. Liability insurance covers any damages or injuries the driver may cause to other people or their property, while collision insurance covers damages to the vehicle itself. However, it’s important to note that designated driver insurance doesn’t cover any damages or injuries the driver may sustain themselves.

Who Needs Designated Driver Insurance?

Anyone who regularly acts as a designated driver should consider getting designated driver insurance. This includes individuals who frequently attend social events where alcohol is served or those who have friends or family members who frequently need a designated driver. Designated driver insurance is also a good option for those who drive Uber or Lyft, as they may frequently drive intoxicated passengers.

How Much Does Designated Driver Insurance Cost?

The cost of designated driver insurance varies depending on the insurance provider and the individual’s driving history. On average, this coverage can cost anywhere from $20 to $50 per year. However, it’s important to note that this coverage is only available as an add-on to an existing auto insurance policy.

Where Can I Get Designated Driver Insurance?

Designated driver insurance is available from most major auto insurance providers, including Geico, Allstate, and Progressive. It’s important to shop around and compare quotes from different insurance companies to find the best coverage at the lowest price.

What are the Benefits of Having Designated Driver Insurance?

The biggest benefit of having designated driver insurance is the peace of mind that comes with knowing you are protected in case of an accident. This coverage can also help protect your finances, as it can cover any damages or injuries you may cause while driving another person’s vehicle.

What are the Drawbacks of Having Designated Driver Insurance?

The main drawback of designated driver insurance is that it only covers the driver when they are operating another person’s vehicle. This means that if you get in an accident while driving your own car, this coverage will not apply. It’s also important to note that this coverage is not available in all states.

What Should I Consider Before Getting Designated Driver Insurance?

Before getting designated driver insurance, there are a few things to consider. First, you should consider how frequently you act as a designated driver and whether this coverage is worth the cost. You should also consider your driving history, as this can impact the cost of your designated driver insurance. Additionally, it’s important to shop around and compare quotes from different insurance providers to find the best coverage at the lowest price.

How to Get Designated Driver Insurance

Getting designated driver insurance is a relatively simple process. The first step is to contact your auto insurance provider and ask if they offer this coverage. If they do, you can add it to your existing policy for an additional fee. If your current insurance provider doesn’t offer designated driver insurance, you can shop around and compare quotes from different providers to find the best coverage at the lowest price.

How to Choose the Right Designated Driver Insurance Provider

When choosing a designated driver insurance provider, there are a few things to consider. First, you should look for a provider that offers comprehensive coverage at a reasonable price. You should also consider the provider’s reputation and customer service, as this can impact your experience with the company. Additionally, you should compare quotes from different providers to find the best coverage at the lowest price.

What to Look for in a Designated Driver Insurance Policy

When choosing a designated driver insurance policy, there are a few things to look for. First, you should look for a policy that offers comprehensive coverage, including liability insurance and collision insurance. You should also look for a policy with reasonable deductibles and limits. Additionally, you should review the policy’s terms and conditions to ensure you fully understand what is covered and what is not.

How to Save Money on Designated Driver Insurance

There are a few ways to save money on designated driver insurance. First, you can bundle this coverage with your existing auto insurance policy to save on premiums. You can also take advantage of discounts offered by your insurance provider, such as safe driver discounts or multi-vehicle discounts. Additionally, you can compare quotes from different insurance providers to find the best coverage at the lowest price.

Conclusion

Designated driver insurance is a smart choice for anyone who frequently acts as a designated driver. This coverage can protect you in case of an accident and provide peace of mind knowing you are covered. Before getting designated driver insurance, it’s important to consider your driving history and how frequently you act as a designated driver. Additionally, you should shop around and compare quotes from different insurance providers to find the best coverage at the lowest price.