If you have bad credit or at fault accidents on your record you probably know that car insurance for bad drivers can be very expensive. Your rates will always be higher than those of someone with good credit and a clean driving record. However, it is possible to get car insurance for bad drivers at reasonable rates. Consider the following five things you should do if you are classified as a bad driver.
Repair Your Credit Report
There are several steps you can take to fix your credit report ratings and score. The following options will get you back on track quickly.
• Pay off any negative items on your credit report.
• Establish new positive credit with prepaid credit cards.
• Take out a new loan and make monthly payments on time.
• Review your report to make sure everything is accurate.
• Update your information with credit bureaus, such as address, phone number, and place of employment.
Improving your credit score can help lower your car insurance for bad driver’s rates. After all half of the cost of your car insurance comes from the rating on your credit report.
Complete a Driver Training Course
Many states offer adult driver training courses. These courses are like a driver’s education for adults. With these courses you can improve your driving skills. If you have had moving violations or at-fault accidents this course can help you learn to drive safer. Learning to drive appropriately will help you avoid any future tickets and hopefully keep you out of future wrecks.
However, these courses also provide you with documentation that you have passed the course and are supposedly a better driver. You can submit this information to your car insurance company. Hopefully your car insurance company will give you a break on your premium due to the fact that you are trying to be a better driver.
Choose a Company with Accident Forgiveness
Many companies offer accident forgiveness today. For each year that you don’t have an accident your insurance rates will decrease. This usually lasts for five years. On some cases you have to be with the company when you have the accident for them to forgive it. However, some companies will allow you to join the program even if you had the accident while you were with a different company.
Shop Around for the Best Rates
Getting the best rate can take time and patience. But if you are prepared to do your homework and compare rates you can lower your premium. Start by searching online, by your zip code, for affordable companies. You can complete car insurance for bad driver’s comparisons of five or more companies at the same time. Once you have the comparison available you need to make sure you are comparing similar quotes.
Check to make sure each quote you compare offers the same deductible, comprehensive or liability coverage levels, and the same medical coverage. One company may offer dirt cheap rates but the coverage levels are way lower than the other companies.
As you can see there are several options for affordable car insurance for bad drivers. The key is to be proactive about finding car insurance you can afford. Companies are going to give you high rates if they think you aren’t aware of your options.