How to Get Good Car Insurance When You Have a Poor Driving Record   by Mark

in Insurance / Auto    (submitted 2011-02-15)

If your driving record isn't the best, you might find that you have a little bit more trouble locating car insurance that you really like and that gives you good coverage for an affordable rate. That doesn't mean you can't find something, though, if you keep looking. Having a good driving record matters, but it isn't everything. Most insurance companies also check your credit rating, so that can help you if your credit is good and you pay your bills on time.

Be Prepared to Shop Around

With a bad driving record, you're probably going to be turned away by some car insurance companies. Others will ask for more money than you want to spend to insure your vehicle. Don't give up. You may not get cheap car insurance like you would if your driving record was spotless, but you can still find something that is priced where you can afford it. Talk to agents, check online, and ask around until you get several good quotes you can choose from.

Honesty is the Best Policy

It may seem tempting to lie about your driving record in the hopes of getting a better rate, but it's a bad choice. Companies won't just take your word for it, and the will check to see if your record is clean. Lying won't help your rate, and you may end up turned down for insurance because of it.

It's very important that you don't give up when trying to find car insurance. Your bad driving record is not a death sentence, so don't let it stop you or discourage you. Patient and persistence will ensure that you locate car insurance you can live with and that you find affordable. Later, when your record improves, be sure to ask the company to reevaluate you, so you can get a lower rate.

About the Author

Mark loves to write. He is a car fanatic. He would like to remind everyone that many motorists are driving without car insurance. Make sure you buckle up out there!