How to Find Auto Insurance For Bad Drivers
Finding cheap auto insurance for bad drivers can be very difficult. People with bad driving records usually pay the most for car insurance in many cases you could pay between 25%-50% higher than someone with a safe driving record. This is because auto insurance carriers find the likelihood of bad drivers having an accident are much higher than a safe driver. It also depends on what the extent of the bad driving record is. For example, if it's just a bunch of no insurance tickets then ok maybe not a major deal compared to having 4 DUI's on your record. DUIs really cause your auto insurance rates to go up a lot. Not all violations are equal: the more severe the incident the greater the cost to your insurance will be.
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Small accidents or violations like speeding or running a stop sign are likely to cause just a minor increase to your insurance policy, usually 10-15 percent. However, if you are convicted of a DUI Like we mentioned above it could be up to a 40% increase to your insurance premium depending on which company you are with.
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Who are the best auto insurance companies for bad drivers?
If you accumulate violations on your driving record auto insurance companies will see you as a high risk to insure. Most standard insurance companies may refuse to offer you coverage and even if they do offer coverage, it will be at an extraordinary cost that you may not be able to afford.
Click here to read more about how auto insurance companies set their rates
We have found that non standard auto insurance companies have the best rates for bad drivers in most cases. These are also called high risk insurance companies.
There are numerous companies like this out there and here are a few that we found:
- Save Money Car Insurance
- Safe Auto
- The General
The best way to get a quote from one of these non standard companies is to contact a non standard auto insurance broker who works with a large number of these companies and get a quote with all of them in one call. Here are a few brokers we found that offer this service:
- Cheapest Auto Insurance
- Auto Insurance Center
- Freeway Insurance
Click here to watch more about using an online quote comparison site
The more quotes you get will increase your chances of getting a cheap quote. Since prices vary greatly by what kind of violations you have the best way for drivers with a bad record to get the lowest rates is to get quotes from multiple carriers.
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How does a bad driving record affect auto insurance?
Your driving record is one of the most important factors auto insurance companies look at when setting rates because they expect these drivers to cost them more money in insurance payouts. This could come in physical damages to other cars on the or road or bodily injury damages to other drivers.
According to information gathered by insurance carriers, drivers that have previous car accidents and violations on their driving record are proven to cost insurance companies more on future claims. Obviously, there is an exception to every rule though. Therefore, these drivers are charged more for car insurance rates due to the increase of risk they bring to the insurer.
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A bad driving record will not affect your car insurance rates forever. Insurers usually only charge for violations for the past three years. This means that no matter how many violations you have had past the 36-month deadline that they will not be chargeable and won't affect your monthly rates. However recently companies like Progressive have been going back five years. They feel this gives them a better picture of the overall risk.
Click to read more about why auto insurance rates go up
One thing to note if you do have a current insurance policy and you get a ticket no matter what it is in most cases it won't affect your current policy unless the company you are with runs random MVR’s. This is a Motor Vehicle Report which shows only the tickets you have received not accidents or other claims.
The situation it will affect your monthly auto insurance rates is when you switch auto insurance companies or are starting up new insurance for the first time. This is something most people don’t realize, most think that every time you get a ticket it is reported to your current insurance carriers which is not the case. Very few auto insurance companies will run your driving record in the middle of your term and apply tickets to your policy.
Click here to watch more about why auto insurance rates go up even if you don’t have a claim
How to get auto insurance with a bad driving record?
Some auto insurance company will deny you coverage if you have a bad enough driving record. Most auto insurance companies consider a bad driving record to be someone who has 2 or more at fault accidents in last three years or more than 3 traffic tickets in the last three years or a combination of both of them. This is often considered high risk insurance for many auto insurance carriers. To find cheap car insurance, people with a bad driving record may have to spend time and resources on shopping for car insurance. This is due to insurance companies might quote very high rates for their auto insurance coverage. In addition to this, some insurance carriers will deny you coverage altogether especially if you require and SR22.
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SR22 insurance is a special type of policy for drivers with bad driving records that require an auto insurance company to file a certificate of financial responsibility that confirms you have the state minimum required liability limits on your policy. Normally this type of policy is only meant for drivers with severe violations like a DUI for instance or if your license is suspended.
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If you do require and SR22 many national companies like State Farm or Allstate may not be an option for you. It may be in your best interest to look for a nonstandard auto insurance company who offers specialized insurance for high risk drivers.
How much does auto insurance cost with a bad driving record?
Unfortunately, auto insurance with a bad driving record is going to be expensive. Like we mentioned above you can expect to pay approximately somewhere between 25%-50% more if you have a bad record. This increase in premium will last between 3-5 years and will vary based on the severity of your ticket. DUIs are definitely the most surcharged violation out there and can many times make you ineligible for coverage altogether. There is no way for anyone to accurately give you an exact amount of
what insurance will cost with a bad driving record. It really depends on what kind of violations you have on your record.
Click to watch more about how auto insurance companies set their rates
Auto Insurance for drivers with a bad record have so many factors that we recommend going through the full quoting process to get accurate quotes.
Click here to read more about how to keep your auto insurance rates down
How to get auto insurance discounts for a bad driver
Now that you are aware how important your driving record is when it comes to finding cheap car insurance, we want to help you get all the discounts you qualify for. If you do have a bad driving record you will need every discount possible. Besides getting as many quotes as possible there are other things you can do to get discounts on your car insurance. Here are some discounts we recommend taking advantage of:
It is important to remember that you need to ask our insurance agent or company for all these discounts and any other ones that might not be on this list. Some insurance companies do not offer you all the discounts you may qualify for.
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If you can afford to you will save a lot of money by purchasing liability only insurance if you have a bad driving record. Full coverage insurance for a bad driver can be very expensive but if your car is financed then the lienholder will normally require you to carry full coverage insurance. Auto insurance companies feel drivers with a bad driving record on a full coverage policy pose a great risk because not only can they do damage to other vehicles and drivers but can also do damage to their own vehicle. You will find drivers with a bad record who carry full coverage insurance will pay the most for insurance especially if you are under 25 years of age.
Click here to read more about full coverage insurance for bad drivers