Bad Driving Record, No Problem. Here’s How To Still Get Insurance

If you are driving a car you know you must have car insurance.  Driving without current car insurance will cost you fines and other penalties when you are caught.  If you have  incurred some driving problems your current insurance carrier may not renew your policy and you will need to find other coverage. You do not want to be without coverage for even one day.  If you have not keep your car insurance current and then apply for new car insurance the lack of car insurance previously can put you into what insurance companies consider a high risk category.

Other problems which can make insurance companies consider you a high risk include speeding tickets.  When you drive over the speed limit you will not only have to pay a fine, but you will likely accumulate some points on our record.

You will be considered as high risk by the car insurance companies if you have received either DWIs or DUIs for driving while intoxicated or under the influence.

You will be considered as high risk if you have multiple car accidents.

Usually you are considered a high risk after you have had one major traffic violation or three minor ones.

If you are considered a high risk driver you will be able to purchase automobile insurance, but you will probably pay a higher premium for it.

In order to lower the insurance premium you might consider not paying comprehensive and collision coverage for your own car if your car is several years old.  For those with a high risk classification this coverage will be very expensive.  You will need to keep the comprehensive and collision on your car if it is a newer one, or if you are still paying the loan on the car, in case you incur damage to the car.

When you shop for car insurance you will need to take the time and effort to locate a reputable company which specializes in high risk drivers.  Be sure you tell the insurance agent accurately about your driving record.  The agent will need an complete picture of your driving history to quote an accurate rate.  Companies which specialize in policies for high risk drivers will be familiar with handling your car insurance needs.

You might be able to lower  your premium if you qualify for discounts such as a financial stability discount, a home owner discount or a multi-policy discount.

You may be able to lower the cost for  your insurance if you pay the entire premium at one time or if you authorize the premium be deducted from a bank account or charged to a credit card monthly or quarterly.

If you are able to clean up your driving habits your points will drop from your record in a several years.  Avoid any more traffic violations and in a few years you may no longer be considered a high risk by the automobile insurance companies.