When you have bad driver history you will discover quickly that you need to work harder to find the best car insurance for bad driving record. The problem is that quite a few insurers are only keen on good drivers. They do accept drivers with poor driving history but they hardly offer them discounts. And quotes end up being expensive when they lack discounts.
Drivers can pick a few tickets pretty quickly. Speeding is one of the main reasons, but wrong turns, holding the traffic by going too slow, causing an accident by driving carelessly or not stopping after an accident can get you a ticket that will go on your record. Some people can get bad record even before getting a license. Driving without a valid license would get you points that would go on your license as soon as you pass the test or validate your license.
The worst driving record is probably having a DUI for driving while drunk. If that is the case you may find it hard to get a decent rate. You may also have to deal with driving license suspensions and SR-22 insurance to get your license back.
How Long Tickets Remain on Record?
If there are car insurance companies that don’t check driving records you would wish that you weren’t that desperate to buy your policy from them. Their rates would be impossibly high that they don’t need to worry about your records. The good news is that most tickets come off driving records after 2 – 3 years. DUIs stay on record for 5 – 7 years depending on which state you live.
Can You Get Cheap Auto Insurance for Bad Driving Record?
People can even get cheap car insurance with no license that you shouldn’t be pessimistic about your chances with bad driving history. Many people can feel guilty and accept high premiums easily. There is no reason to be down about it although it is a problem you could have avoided. If you are prepared to work for it, here are 10 tips to help you in the process of finding the best policy deals available to you.
- Go Back to Driving School
When you cannot help but collect tickets taking defensive, safe or advance driving course can help you figure out what you are doing wrong. Also, vehicle insurers see this as evidence that you are trying to fix the problems with your driving and offer discounts where it is allowed.
- Look for Other Discounts
There are other discounts you can easily claim even though you cannot claim good driver discount on car insurance for bad driving record. Check this post with over 20 auto insurance discounts and see which one you can qualify. You may be surprised to find a few discounts that has nothing to do with driving at all.
- Add Good Drivers to Your Policy
This trick works for teenage drivers and should work for bad driver record too. When you add a good driver onto your policy you can get some discounts. But don’t make the mistake of getting someone else front for you by buying the policy on his/her name and adding you as driver. This is an illegal practice in many states.
- Downsize your Automobile
Buying a safe and cheap to insure vehicle is a good way of reducing your premium. If you want to drive a sports car you will be approaching to fire with fire. You can always change it again once your driving record gets cleared.
- Improve your Credit
One thing that can help you most to get cheap car insurance for bad driving record is having excellent credit history. You may have to wait for your driving license points to drop from your records. But you don’t have to wait to improve your credit. A few changes you make in your finances can start showing effects in few months. Then, the discount for good credit can easily wipe off rate increase for bad driving history.
- Act before the Ticket Shows up
Insurers cannot charge higher rates for a ticket until it shows up on your Motor Vehicle Record. Until then you can arrange the best coverage for the longest period. If you are already on the edge of losing your license you may consider the option of fighting the ticket. You may want to talk to a legal representative about it. If you do, just make sure that you know the costs of defending against a ticket.
- Act Immediately after Drops from Driving History
You probably know when your tickets will come off your driving records. Go for quotes when it does and switch if you must. By arranging your policies to renew just after this time can make your job easier.
- Drive only One Vehicle
Other people in your household don’t need to suffer because you have to pay more for car insurance with bad driving records. If you have your own car and insurance you may be able to exclude yourself from other members of your family’s vehicle insurance policies. At least your family avoids paying higher rates this way.
- Search for the Best Car Insurance for Bad Driving Record
There are a few companies you can go and still expect to get affordable car insurance for high-risk drivers. Finding the best company for bad drivers could save you hundreds of dollars. Some of the companies that may offer cheap auto insurance with bad driving record are GEICO, Allstate, Nationwide, Progressive, Metlife, The General and Acceptance Insurance. These should be checked and quotes verified before moving to next tip.
- Just Get a few More Quotes
Just get some more quotes from other insurers and see what they offer. Each quote should only take few minutes. The trick is to never give up and find that cheap car insurance with bad driving record. Companies are different from each other and state auto insurance rules can influence their rates. So, it is always best to get a few more quotes and see if any of them can surprise you. If you would normally get 5 quotes, you should get 10 now since some insurers may simply reject you. It is just what it is and there is no need to take it personally.