How to Get Car Insurance With a Bad Driving Record
Bad driving records are really not all that uncommon. It is not always easy to abide by traffic laws 100 percent of the time, and the police are constantly on the look out. Car insurance becomes a little bit trickier with a bad record and by trickier I really mean more expensive. It can also be tough to find an insurance carrier willing to insure you depending on how bad your bad driving record is really.
Begin By Shopping for Car Insurance
Most of the time, if you recently received a major traffic violation or your third minor violation, it is time to start shopping. Your old carrier is probably either going to jack up your rates sky high or possibly non-renew your policy effectively terminating your relationship.
Start at the high risk agencies who deal with non standard auto policies. They will have a few options for you when it comes to deciding on the right carrier. Hopefully you will be treated with respect no matter which agency you go to, but sometimes going to an agent that deals with high risk drivers on a daily basis will be your best bet for good service. A high risk agent is going to be very familiar with SR 22 filings, if you need one, and obtaining your new policy should be easy.
Be forthcoming with your driving record. Some insurance agents manually put in your driving record based on the information you give them. They do not run the actual driving record until you agree to purchase the policy. This is becoming standard procedure because more and more often the agents are paying the cost of running a driving record, if a policy is not purchased. Therefore, if you want an accurate quote, you need to provide accurate information.
Think About Reducing Coverage
Comprehensive and collision rates soar when a driver has a bad driving record. Removing comprehensive and collision can reduce your overall costs significantly. Is your car too nice to drive without full coverage? Unfortunately, it might be time to sell your fancy vehicle and get something more affordable. Stick with a used mid sized vehicle with good safety features, preferably one that you feel comfortable driving without comprehensive and collision coverage.
Even high risk insurance agencies offer discounts. Check for a financial stability discount, home owner discount, multi policy discount, and prior proof of insurance discount just to name a few. Ask your insurance agent what you are missing, so you can verify whether or not you should be receiving the discount.
Select the Best Payment Plan
Did you know you can save money based on which payment plan you select. Make sure you let the insurance agent know if you are able to pay in full because that usually gets you a discounted rate. Even selecting to pay with automatic withdraw from your bank account or credit card can save you significantly verses paying through the mail.
Stay Positive and Insured
High risk drivers often find it difficult to stay insured. Whether you think it is not fair or you think you are going to be high risk forever, that mentality is going to keep you high risk. Letting your car insurance lapse is one of the most common ways people stay high risk for very extended periods of time. Your points will drop off, but if you do not keep your car insurance active, you are likely to keep paying high risk rates for a very long time.
More Help With High Risk Car Insurance
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