Finding cheap car insurance having a poor driving record
can be difficult. Whether you have a DUI, DWI, multiple speeding
tickets, or have been involved in multiple accidents, your car insurance
premium will likely skyrocket. However - although you might not get as
low of a price as someone with a clean driving history - there are still
many ways for you to save money and find a cheap car insurance policy.
First, don't forget the golden rule - shop around! Shopping on the
Internet is the best option for many reasons: there is more competition
online which means insurance companies have an incentive to lower their
prices, it is quicker and easier online (you don't have to drive all
over town or spend a lot of time on the phone), and you will have more
options. The more quotes you find, the better your chances of finding
the best policy, so aim to find at least 5 quotes.
Remember. being honest on your insurance quote application is very
important. Many people think if they stretch the truth a little, they
will get a lower premium. This might be true, but if you ever need to
submit a claim, your insurance company will likely verify the
information on your policy. If they find even the tiniest fib, they
could very well refuse to pay your claim - which means you wasted months
of premium payments and still do not have a way to fix your car or pay
your medical bills. Being honest is important for savings in the long
run.
When comparison-shopping the main thing to keep in mind is coverage.
You can find two policies at different prices and be tempted to go with
the cheaper policy. However, this policy might be offering you much less
coverage than the other. You need to find policies that offer you the
coverage you need first, and then compare prices. Inadequate coverage
could leave you paying hundreds of thousands of dollars in an accident.
Finding the most coverage for your dollar is usually the best way to go.
You can as well take advantage of discounts. Many discounts exist
when it comes to car insurance. You might not be eligible for all of
them today, but you can still research the types offered and then try to
change things around in your life so that you can qualify when it comes
time to renew. Common discounts include low mileage, having the latest
safety and security features, student discounts, and driver education
course discounts among others.
Finally, look at your policy. Look for extras you can cut such as
incentive programs or roadside assistance. Raise your deductible if
possible (assuming you can still pay it if necessary) - your premium
decreases as your deductible increases, because this is less money the
insurance company will have to pay if you submit a claim.
As you can see, even with a poor driving record there are still some
things you can do to try to find a cheap insurance policy. However,
keeping your driving record clean from here on out should be your number
one priority. After a few years of no insurance claims or tickets, you
should be back on the road to cheap car insurance premiums!
