Being a bad driver can cause lots of problems for a person, financially and emotionally. It can potentially get you in trouble with the law and make your insurance premiums go through the roof. If you need car insurance for bad drivers you will probably have to search around. Many companies will not cover you if you have had several accidents or DUI’s. However, there are companies out there that cater to bad drivers and offer car insurance for bad drivers at reasonable rates. Consider the following facts about bad driver car insurance.
SR-22 Coverage for Automobiles and Trucks
SR-22 coverage is often required by the state if you have been in trouble for driving bad. When you have SR-22 insurance the company reports directly to the state if you stop carrying insurance or if you are in an accident. This allows the government to know if you are not following their rules. This insurance costs more to buy. In addition, you need to find a company that offers SR-22 coverage for your area.
Cheaper Car Insurance Quotes Online For All Zip Codes
The easiest option is to get online and search by your zip code for cheap car insurance for bad drivers. You can then compare several companies at the same time to see who offers the best deal. In most cases you only have to carry SR-22 insurance for six months to two years. After that you can convert back to regular insurance.
Online Car Insurance Quotes for Bad Drivers
When searching online for car insurance there are things you want to watch for. Always compare the amount of the deductible on a policy, the amount of medical coverage, and whether or not you are paying for uninsured motorist. You have the choice to raise your deductible, lower your medical coverage, and in some states you can refuse uninsured motorist coverage. Most people prefer a lower deductible and more coverage, but if you can’t afford the premium you may need to sacrifice these perks.
Things to Avoid with Car Insurance Companies
Most bad driving items stay on your record for five years. After these five years the items are not held against you. Being a bad driver is a personal choice. However, if you want to change your behavior and get back on track there are certain things to avoid.
Items that go on your record are moving violations. Speeding, crossing the center line, or driving carelessly will all cause you to get a ticket and you have to wait five years from that date. Driving under the influence of alcohol also stays on your permanent record for a long time. If you want to clear your record and lower your insurance you need to drive correctly.
Canceled Auto Insurance
If you continue to drive badly and get tickets for your behavior the auto insurance company has the right to cancel your insurance. This is usually a last ditch effort by the company. However, if your record is bad enough that the company drops you then you may have problems getting car insurance from someone else. It is best if you stay on track and qualify for lower premiums on car insurance for bad drivers.