Drivers with speeding tickets, DUI’s, and accidents have the most difficult time shopping for auto insurance. Learn how to save money on your rates with carriers who understand.
Drivers with poor records often have the most difficult time shopping for car insurance. Their records not only makes their premiums significantly higher, but insurance providers can refuse to sell them a policy all together. Because bad drivers are more likely to get into an accident and thus file an insurance claim, many providers believe these drivers will end up costing them more money than they’re worth. After all, insurance is a business. States have varying laws that determine how far back insurance providers can look into your driving record to assess your rates. Most insurance carriers are interested in violations within the past five years, but some will be able to look back even further. Driving violations can include anything from speeding tickets, DUI’s, to at-fault collisions.
If you have any of these violations on your record, it’s important to find a provider that specializes in high risk driver policies so that you can get the appropriate coverage and discounts. Car insurance providers that cater to poor driving records understand your challenges and needs more than the standard insurance company. They’ll be able to give you advice on which coverages to add, increase, decrease, or avoid. They’ll also have a better idea of which discounts you can use to lower your rates. It’s important to shop around for quotes because what one provider considers a poor record, another would consider standard. There are a handful of high risk providers that are often subsidiaries of a larger company. Here are a few examples of providers that handle high risk drivers fairly:
Car insurance companies for poor driving records
- Geico Casualty Co.
- The General
- Bristol West
- Alliance United
- Direct General
- Safe Auto
- United Automobile
Even if you do purchase a policy from one the above companies, you should still educate yourself on other ways high risk drivers can save on their monthly premiums. For example, even though a violation can last on your record for a maximum of five years, that doesn’t mean you can’t start practice safe driving now. Make it a goal to stop speeding, stop driving while distracted, and start following traffic rules. Repeated offensives only make your record worse. Consistently safe driving after a violation will allow you to go back to a standard policy and might even unlock a safe driver discount in the future. Other ways to save include:
- Complete a defensive driving course, especially if you’re over 70 years old. Not only does this unlock a discount on your premium, but it shows providers that you’re serious about being safe on the road.
- Consider setting a higher deductible to lower your monthly premium payments. However, you should only set your deductible to a price that you would be able to pay out of pocket at a moment’s notice if necessary.
- Consider buying a vehicle with up to date safety features or installing them to your current one. Cars that include full-front airbags and restraint devices can qualify you for safe driving discounts.
- Along with shopping for a car with safety features, remember that reliable vehicles such as family sedans are usually cheaper to insure, especially if they’re used. Convertibles are cool, but higher premiums aren’t.
- If your vehicle is old, unvaluable, and could be easily replaced then consider opting out of or lowering your collision and comprehensive coverage. These coverages will pay you in the event of an accident or theft, but if the cost of repairs would be more than the entire vehicle is worth, you probably don’t need this coverage.
- Premiums for low mileage drivers are significantly lower so take advantage of public transportation, ridesharing, or carpooling if you can.
So, if you have a not so perfect driving record and are looking for an insurance company that understands, you should shop on a comprehensive quote comparison site. Insurify allows you to customize, build, compare, and purchase a policy online in minutes with step-by-step help from professional insurance agents who can give advice on coverages and monthly payments. By comparing quotes from multiple providers, you’ll be sure to get the best deal for your nonstandard policy.