Written by: Jen Wagner
Last updated: November 22, 2021
As a licensed automobile driver, you are responsible for meeting your state’s minimum amount of liability coverage. The purpose of this type of car protection is to pay for any property damage or bodily injury that results from a car accident you cause. However, it does not protect you from injury or damage to your personal property. Additionally, the amount of coverage you need will depend on where you live. Every state is different.
But what if you have a poor driving record, and your insurer limits your policy or drops you all together? Can you still obtain the coverage you need from another provider at an affordable cost?
While acquiring auto insurance as a high-risk driver can be more challenging, doing so is possible. Consider the following information on how to get auto insurance with a bad driving record.
Who Is a High-Risk Driver?
When you contact an insurance company to purchase a policy, an agent will run a driving record report to look at your background and evaluate whether you’re a high-risk driver. Generally, a provider will classify you as high-risk if:
- You have been at fault in several car accidents,
- You have a DUI conviction,
- You have multiple traffic violations, or
- You have previously allowed your insurance coverage to lapse.
Certain providers may also view you as high-risk if you are a novice driver or are over the age of 70. But overall, having a history of unsafe driving behavior within the last three to five years will make it more difficult for you to purchase a more valuable policy.
So how do you find a provider who will insure you as a high-risk driver? Read on.
Can You Get Car Insurance With a Bad Driving Record?
One of the most important steps you can take to find high-risk automobile insurance is reviewing your options and comparing insurance rates. Through your research, you can learn which companies offer the best coverage for your circumstances. You can also explore the company’s financial background and determine who has the most satisfied customers by reading customer reviews.
Another step you can take is searching for available discounts. You might be eligible for a good student discount if you are younger than 25 years old, are a full-time high school or college student, and have a B average.
Certain insurers like GEICO may offer you a discount for completing defensive driving courses depending on your eligibility. These programs teach safe driving techniques for car accident prevention. You may also qualify for a rate reduction for having a car alarm or other types of vehicle security protection. So think about your car’s safety features and request more information regarding the discount options from the provider.
Which Companies Offer High-Risk Auto Insurance?
Every insurance company has different policies, rates, and methods for handling accidents. Accordingly, the company that best meets your budget and circumstances may not be the one you desire. In fact, a nonstandard auto insurance company might end up being the most beneficial option for finding a comprehensive plan at an affordable rate. But keep in mind that you may have to pay up to 25% or more for a high-risk insurance premium.
With that said, several insurance providers are known for their affordable policies for high-risk drivers. These include:
- Geico
- Progressive
- 21st Century
- Infinity Insurance
- Direct Auto Insurance
What Should You Do Moving Forward?
When you already have a poor driving record, the last thing you need is another violation. Therefore, you should be extra careful anytime you get behind the wheel. Always pay attention to your surroundings and be conscious of your driving habits. Also, don’t let your coverage lapse. Getting caught without insurance could lead to new fines, penalties, or other legal actions.
Finally, make sure your vehicle’s factory warranty is still active. Without a reliable protection plan, you will be responsible for any out-of-pocket repair costs if something goes wrong with your car. Remember, the goal is to reduce your expenses, not increase them.
To find the best protection for you, take the time to review our extended warranty providers and request a free quote. We provide an overall company rank, as well as general pros and cons. For more information, check out our top choices and protection program reviews.
