car insurance tips for bad driverWe all make mistakes and it’s all too common to have a driving record that is a bit tainted. You might have been involved in one or more accidents and been at fault for several of them. You may have been arrested for a DUI and had a suspended license for some time. In some instances, you might just have a lot of speeding tickets on your record. In any case, it can be difficult to obtain low-cost car insurance with a record that is less than perfect. Thankfully, there are many things you can do in order to get locked into a more affordable rate.

Compare Premiums

The amount you pay each month is based on your premium. In many cases, car insurance companies will split up a premium in four or more payments that you can pay over the course of six months. If you have a spotty driving record, it’s crucial that you compare companies so that you’re not paying too much. It can be tempting to go with the first insurance policy that you find, especially if they’re willing to cover you with your tainted driving history, but you can still save money by doing some comparison shopping.

Look for High-Risk Companies

Some companies are specific to high-risk drivers, which means they’re more willing to provide coverage to you and your vehicle even if you’ve had a less-than-perfect driving history. If your record is severely tarnished and you’re constantly being denied coverage, it might be time to search for insurance quotes for high risk drivers that are specific to these individuals. Unfortunately, many of these companies compensate for the risk by overcharging for coverage, but it’ll still allow you to drive in a vehicle safely and legally.

Work on Improving Your Record

One of the best ways for you to obtain auto insurance even with a bad record is to work on improving it. For instance, if you take a defensive driving course and submit proof of completion to your insurance company, they may put this into your account file and take money off of your premium payments. When you work on improving your driving, your lender will see you as less of a high-risk customer than before, which can have a direct impact on how much you pay for coverage.

Reduce Coverage

If you’re tired of paying a small fortune every single time your insurance bill comes in the mail, there’s an easy way to put an end to this: reduce the amount of coverage you have. Unfortunately, if you have a current loan on the vehicle, you won’t necessarily be able to take off a lot of protection. However, if you own the car outright and do not have a lender tied to its title, you need to consider reducing coverage. Things like comprehensive, roadside assistance and rental reimbursement are all add-ons that can add a lot to a bi-annual premium. This isn’t to say that you should leave yourself and your vehicle vulnerable while on the road, but there are many different features that simply aren’t necessary when you need to reduce costs.

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