Tips for Finding Affordable Car Insurance Options

To find affordable bad driver car insurance, purchase a safe car, take a driving course, reduce your coverage, and compare bad driver car insurance using our quote comparison tool.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State...

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UPDATED: Jun 3, 2020

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Here's what you need to know...

  • Being a bad driver does not mean you cannot obtain car insurance, just that your premiums may be higher than normal
  • High-risk drivers include drunk drivers, people who routinely speed, and even teenage drivers
  • There are several ways to reduce the cost of insurance as a high-risk driver
  • Use online quote tools to obtain comparisons of several car insurance companies before committing to one

If you are a bad driver, car insurance rates may be far more expensive than you would like to think. Additionally, you may find it nearly impossible to get car insurance once your existing policy expires.

Car insurance companies base your insurance rates on a number of factors, but your risk assessment is the biggest influence on your overall rates. Understanding what constitutes a bad driver will help you to better understand your rates.

Enter your zip code now to get car insurance quotes and save money!

What Constitutes a Bad Driver

A furious man driving, as seen from behind the wheel. Shot using a very wide fisheye lens.

Drunk drivers, speeders, and teen drivers all fall under the high-risk driver category and will have to pay more for their insurance.

It is important to note that being a bad driver doesn’t automatically mean that you will not be able to get car insurance, even if you have a lot of tickets.

In most cases, insurance companies don’t actually drop you as a client unless you have actually caused several accidents for which they have had to pay claims.

Therefore, getting points on your license isn’t the end of the world, but if you are costing the insurance company a lot of money, they may send you packing. This doesn’t mean that you can’t get insurance anywhere; however, you will certainly face higher rates when you make that change.

A bad driver could be someone with multiple DUI or DWI convictions, someone who drives without auto insurance, or someone who routinely gives into road rage.

In the case of a DUI or DWI, you may have to file a specific document with your state called an SR-22 that shows you have adequate auto insurance.

If you don’t, then your license will be suspended and any cars in your name will have their registration revoked, even if you aren’t the person driving the car regularly.

Interestingly, teen drivers are often automatically placed in the bad driver category because of their age, even if they have never driven before.

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Tips for Saving Money

You can’t drive without insurance, but you don’t have to settle for the price that your insurance company has quoted you for your auto insurance.

You need to take the time to shop around for the insurance that you need. If you don’t shop around, you won’t know who truly has the best rates.

Quote tools provide you with the opportunity to shop around without spending a lot of time doing it. They help you find policies for high-risk drivers at the lowest costs.

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There are other ways that can help reduce the cost of your insurance that you should consider as well.

  • The car you drive affects insurance costs – If you have a lot of safety features on your car, then you can save money on your car insurance. But many people don’t realize that if they are a high-risk driver, then insurance companies pay extra close attention to the type of car that you drive.
  • Take a driving course – This won’t solve all of your problems, especially if the class doesn’t remove points from your license. However, most insurance companies offer a discount to drivers who take these classes, even high-risk drivers.
  • Take the bus – If you live close to public transportation, consider taking the bus for a while. While insurance companies reward loyalty and carrying continuous insurance, the bottom line is that most driving problems from accidents to DUIs stop affecting your rates after 3 years. If you are a bad driver, stop driving for a while and let your record return to normal.
  • Lower your coverage – Unless you are financing or leasing your vehicle, you don’t have to carry collision or comprehensive coverage. Liability insurance is the most affordable option for drivers, and you can save a lot of money by carrying the bare minimums.

Quote Tools Can Help You

Quote tools are an excellent way for you to get the lowest possible rates for your auto insurance. Comparing the rates between companies is important and if you don’t take the time to do this then you will pay too much for your auto insurance.

Many people don’t use quote tools because they think that the quote tool creators are only showing them companies that pay them the highest commissions.

However, we offer you several comparisons simply because we want to help you find the best deal for your insurance.

The great thing is that you have nothing to lose by giving it a try. You don’t have to make a purchase; no one will ask for your credit card or bank account number.

Start comparing car insurance quotes online right now by entering your zip code!

References:

  1. http://www.iii.org/issue-update/teen-drivers
  2. http://www.iii.org/article/how-can-i-save-money-auto-insurance
  3. https://www.esurance.com/info/car/how-a-dui-affects-car-insurance-premiums

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