How do you get insurance when one spouse has DUIs and a suspended license and the other has a clean driving record?

Answer
You can exclude the spouse with the bad driving record from the policy. Many carriers will do this for you.

Or, if your state doesn't allow excluded drivers on policies for spouses or resident relatives, you'll probably have to pay the hefty premiums to cover both the people.

Be careful of the excluded driver option, however. With an excluded driver endorsement, there is NEVER any coverage for the excluded driver -- EVER. Sounds pretty obvious until that person gets behind the wheel and wipes out a busload of nuns. Interestingly, people tend to forget all about being an excluded driver under those circumstances.


Answer
hahaaa where we live there is no public transportation. I got excluded driver ins. but i am not comfortable with it but the payments for other insurance is over my head at the time being. thank you for your advice on this question.