Tips For Getting Car Insurance If You Have A Bad Driving Record
Every time you get a ticket while driving or get in an accident that you caused, the event will be recorded on your driving record. While having just one ticket or accident does not make you a bad driver, having multiple tickets and accidents will typically put you in the category of high-risk driver. As a high-risk driver, you might find that it is more difficult to find car insurance, and it might be even harder to find insurance you can afford. Here are some tips to help you find an affordable policy if you have a bad driving record.
The first thing you should always do when purchasing insurance is call around to several companies to ask for quotes from each one. Shopping around for insurance is one of the best ways to find the lowest price on insurance coverage. When you do this, make sure you are getting equivalent quotes, though. This means that each quote you get should offer exactly the same types and amounts of coverage. This will allow you to compare the quotes more equally.
Take a driving course
Another step you should take as a driver with a bad record is taking a driving course. If you sign up and complete a defensive driving course, you might qualify for a discount on your insurance, or you might even be able to get points removed from your license. Most states operate on a point's system, which means you accumulate points on your driver's license each time you get a ticket or get in an accident. If you can remove points, your driving record will not look as bad.
Raise the deductible on your policy
The other thing you could do that would help you save money on your insurance is raising the deductible on your policy. Anytime you raise a deductible to a higher amount, you will get a lower rate on your insurance. The downside to doing this is that you would have to pay more money if you cause an accident to happen and are in need of car repairs, but it would help you save money on your insurance costs.
If you have a bad driving record and need car insurance, it is possible to find a company that will insure you, but you might need to call around. Contact an auto insurance company today to learn more about getting the insurance you need.