Bad drivers Need Cheaper Car Insurance
If you have traffic tickets, been in car accidents, or pulled over for DUI etc you probably have expensive car insurance because you have proven to the insurance company you are a risky driver. Fortunately carriers do provide insurance for bad drivers, drivers with a poor history, as well as young and inexperienced drivers.
State laws require that you must be insured while operating your vehicle. For the time being your monthly car insurance payment will be much higher until you can improve your driving record.
High risk auto insurance is what insurance companies refer to when talking about drivers with a poor history. This type of auto insurance is available for people with a bad history of driving, and there are many major insurance companies that offer this type of coverage, but depending upon how bad your driving record is you may need to get insured through the secondary non standard market and less known companies.
Persons with bad driving records need insurance too, and insurance companies willing to take this risk in what is called the the non standard auto insurance market. The best thing for you is to understand that you have options. All companies see risk in different ways. This means you may find a lower payment with another company. Sometimes you just need to shop around a bit and find a payment and policy that works for your situation.
I am paying high rates on my car insurance, can I find a better deal with another company?
Where can I get a quote for cheap auto insurance for bad driving records?
How much does it cost?
First of all you need to understand why you have a bad driver status. To understand this you should examine your driving record, which likely includes court judgments, multiple speeding tickets, auto accidents, and DUI/DWI convictions. If you are pulled over for drunk driving you may need to seek legal counsel.
Finding the most affordable bad driving record auto insurance, can save you a lot of money in the end.
Why Am I Considered a Bad Driver?
Have you had your license revoked? Whatever the reason you will typically be notified by your state that in order to be reinstated you need an SR-22 policy.
Older drivers over the age of 70 are considered high risk and have been labeled bad drivers as a result. Many car insurance companies will work with you and provide you a chance to attain affordable coverage. If you are an in experienced driver with limited driving history such as teens and especially male under the age of 25 you are almost always considered high risk. Many companies will still work with you.
Driving Without Car Insurance
Do any of these pertain to you?
If you are a responsible person with a clean driving record you probably cannot understand why someone would take risks like driving without insurance. There can be many reasons and excuses people decide to not get insured. Too lazy. Too busy. Don’t want to pay high prices for a crappy car. And the list goes on.
Regardless, uninsured motorists are in your town and in your area. If you drive your car without auto insurance you risk paying heavy fines and screwing over a responsible driver. Car insurance companies consider all drivers operating a vehicle, and then assess the risks involved. The more drivers who operate their vehicle without car insurance the more expensive it is for everyone else. The laws mandates that all drivers carry auto insurance whether you drive a cheap car or an expensive car. You must keep your vehicle insured.
Don’t become an uninsurable driver
More and more states are cracking down on free loading citizens driving without insurance. Texas law makers for example, are moving towards impounding cars and removing the first strike allowed. It is estimated that one fifth of drivers on the road operate their vehicle without being covered by car insurance. With states like Texas this could reduce this number greatly and lower auto insurance costs for everyone else. Other states are jumping on board as well by increasing fines and taking away drivers licenses until proof of insurance is provided.
Driving While Under the Influence of Alcohol
How does a DUI/DWI conviction affect your driving record and your car insurance rates?
We’ve all heard the stories and advice. “Don’t drink and drive”. But unfortunately many good people make one bad decision, get behind the wheel after a few too many drinks, and end up getting arrested for DUI/DWI. This particular decision is the number one reason why there are so many fatal car accidents in the United States. If you are Charged with a DUI/DWI you should seek a DUI lawyer to learn all your options.
Your auto insurance premium just went through the roof
To say that you are going to pay for your mistake is an understatement. Depending on your state of residence, being convicted of DUI/DWI will likely cost you thousands of dollars in fines, and huge increases in auto insurance costs. Drivers report up to and over 40% in many cases. People tagged with a driving under the influence on their driving record are suddenly considered high risk. That means higher rates because of future predictability.
Two things now happen:
1. Your drivers license is suspended
2. You need to file for SR-22 insurance
Some states differ on the amount of time your license is suspended but most states require you to file SR-22 insurance. Once you are convicted of DUI/DWI you will be required to file this claim with your insurers to get it lifted. SR-22 gives you a certification of responsibility. Since most states require this certification you will need to get it from your auto insurance company. Unfortunately not all companies carry this certification. In this case you will be forced to switch auto insurance companies and probably pay even higher costs with a new insurance provider.
Let us begin by looking at some of the relevant topics as it relates to you… the bad/risky driver.
If you need auto insurance quotes you should consider comparing quotes Online. See what companies are more likely to work with high risk drivers. Getting quotes only takes a few minutes before you can get a good understanding what you may expect in terms of coverage.
At cheapestautoquote.info we provide free quotes for any driver with any driving record in all 50 states.
Getting Online auto quotes can save you time and aggravation from face to face meetings with agents especially coming from an embarrassing situation such as traffic tickets, accidents, bad credit history, or a DUI/DWI. The key is taking your time and compare policies each company provides, and decide which one fits you best. Determine who has the best deal as it relates to best coverage and best price. You will likely settle somewhere in between.
Tips for bad drivers
Take defensive driving courses. Prove to insurers you are taking action and are serious about becoming a better more responsible driver. Full coverage auto insurance is expensive for bad drivers but is often necessary. Taking some of these steps will help bring costs down.
Think before you get into your car. If you can get a ride or take public transportation then do it. Carpool when you can. Gas is expensive why not carpool and share the costs? For further car insurance tips see our auto tips page.