Auto insurance is something that all drivers need to have, and in many states, it is required by law. However, people who have poor driving records can have a much more difficult time securing an affordable auto insurance policy. Multiple speeding tickets, at-fault auto accidents, and DUIs are all things that make insurance companies view you as a higher risk to insure, which is why they will most likely charge you much higher premiums when you buy a policy. Luckily, obtaining an auto insurance policy when you have a poor driving record does not have to empty out your bank account. Use the following tips to save money on auto insurance when you have a bad driving record.
Increase Your Deductible
When you have auto insurance, the deductible is the amount that you're responsible for paying before the insurance company will cover any costs. If you choose the lowest deductible amount available, you will end up paying a lot more in monthly premiums. Since auto insurance will already cost a lot if you have a bad driving record, it is in your best interest to increase the deductible as much as possible to bring the total cost of your policy down. For peace of mind, put your deductible amount aside in a savings account so it is available if you ever need to file a claim.
Enroll in a Defensive Driving Program
Many insurance companies offer discounts for a variety of reasons, and it is not uncommon for one of those reasons to be successfully completing a defensive driving program. When you enroll in a defensive driving program and complete the course, it shows the insurance company that you are serious about being a safe driver when you're out on the road. Most defensive driving programs issue certificates upon completion, and you may need to submit the certificate to the insurance company in order to receive lower premiums.
Drive a Safe Vehicle
Driving a sports car may be a lot of fun, but if you have a bad driving record, you will be paying a lot when you buy an auto insurance policy. If you want to make your auto insurance premiums more affordable, it is in your best interest to drive a safe, reliable car. Look for a car that has numerous safety features, such as multiple air bags, anti-lock brakes, back-up sensors, and mirror sensors that detect vehicles in blind spots.
For additional information, contact auto insurance companies like Insure With U.S.