Thursday, November 15, 2012

How To Obtain Car Insurance With A Bad Driving Record

By Juliard Verowski

Getting insurance is an integral facet of responsible driving, and in most countries, you need to have some form of insurance, typically liability coverage, if you have your own vehicle. Auto insurance can be a considerable recurring expenditure, but if you are a foolhardy, inattentive driver or just have bad luck when driving, your bad driving history will raise the cost of your insurance substantially. A minor moving violation can elevate your insurance premiums by 10 to 18 percent, and for serious infractions such as being busted for DUI or departing the scene of an accident, your insurer may charge very high rates for the same coverage they provide much less to less risky drivers. They can also drop your policy altogether. Fortunately, there are things you can do to lower your insurance cost even with your bad driving history.

How to Obtain Cheap Car Insurance for Bad Driving Record

Insurance companies run a check on your driving history if you apply for a new policy. These insurers generally adhere to a point system to codify the degree of various violations and determine how risky you are to insure. At-fault collisions, DUI violations, and accidents that lead to loss of life accrue the highest points, but points from minor infractions can add up and may indicate a pattern of irresponsible driving.

In most cases, insurers check approximately three years' worth of your records once you apply for a policy with them. However, for major violations such as driving under the influence, it can take 5 to 7 years before those points are no longer taken into account. Given that getting yourself out of the high-risk driver category is going to take time, waiting it out will be the first solution. As you're waiting for those points to vanish, you ought to unlearn bad driving habits.

But, if you would like to lower high-risk car insurance costs now or in the near future, consider using an older vehicle and foregoing collision and comprehensive insurance. The majority of auto insurance companies will also lower your insurance rates if you complete a formal defensive driving course. These courses are not given free of charge, but taking them will return you to paying normal premiums the soonest.

When you have a bad driving history, you don't really need to include all types of coverage in your insurance policy. You can spend less by getting just your state's minimum coverage until your driving record improves. Lastly, even though low-priced high risk insurance are not easy to come across, there are insurance companies that give reasonable quotes, so compare multiple providers to locate one that will cover you for less.

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