Car Insurance and Your Driving History
I have a bad driving record; can I still get auto insurance coverage?
If you have a bad driving record and worried that you will not be able to purchase auto insurance coverage, you can stop worrying now as you can still get motor vehicle insurance even with a poor driving history. The issue is however, how much you will have to pay for that coverage. Keep in mind, car insurance companies are taking a risk when they agree to provide you with coverage, and the reality is that your driving record has a great deal of impact upon how much of a risk you pose. There is a direct correlation.
What's somehow close to impossible is finding a cheap or low cost auto insurance coverage when you have a bad driving record. In fact, your driving history plays a big role in affecting the price of your auto insurance since the more driving violations you have incurred or accidents you have gotten into, you are viewed as having greater risks by a car insurance company.
With a bad driving record, one should expect to pay greater premiums for a car insurance coverage but there's hope. And eventually you will be able to get it at a cheaper price by being a more responsible driver and avoid getting traffic violations. If you have an especially bad driving record, you might want to consider enrolling yourself in defensive driving lessons offered by trusted institutions to increase your chances of getting lower auto insurance premiums. Another way to cut costs is opting to drive a less expensive car since the more expensive the car is, the more costly it is to insure.
When looking for auto insurance for “high risk drivers” make sure to shop around - compare quotes and coverage from at least three car insurance companies.
Contact us and one of our licensed auto insurance agents will personally speak to you, give you a quote that's specifically tailored to your needs and provide you great auto insurance options.
After all, it's never too late to improve the way you drive and maintain a clean driving record.
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