Bad Driver Car Insurance – 3 Essential Tips For Getting The Best Rates

Let’s face it, if you own a car these days getting insurance is a tricky affair. But bad driver car insurance is even more tricky. This is because insurance companies are always afraid (for obvious reasons) of insurance anyone that has been labeled a ‘bad driver’. Well, don’t fret, because in this article I am going to reveal 3 simple yet effective ways to get dirt cheap rates no matter how bad a driver you are – seriously…

Tip 1: Online Quotes Are Best
When you are looking for the best quotes possible regardless of your driver standing, it’s always best to go online. You’ll benefit from having a larger pool of insurers, which in turn will give you more options. Online insurers operate in such a competitive environment that it is almost a guarantee that they’ll try to beat out any quotes you get from other online insurers.

This of course means huge savings for you. But there is an even more important reason to use an online provider and it is this: many online providers specialize in insuring ‘bad drivers’.

Tip 2: Bolster Insurer Confidence
Whatever the reason for your ‘bad driver’ status, you must do all you can to improve your perceived image in the eyes of insurers. One way to do this by taking part in a defensive driving course. Although these types of courses aren’t mandatory, they can help in reducing your insurance by several hundred dollars.

Defensive driving courses work well because they instills the confidence that an insurer needs that they won’t have to foot a huge bill shortly after they write a policy for you. In other words, the chances of you having a serious accident are just about average, and nothing like the 4 times likelihood of a so-called ‘bad driver’.

Tip 3: Consider Your Car and Any Changes Made To It
This is one of the simplest ways to get good quotes on insurance. You see, the type of car you own – it’s engine size, specifications etc, can influence massively the amount you pay. The general rule is that the bigger the engine, the more costly the auto insurance. Modifications add another dimension to costs too, because they increase the value of the car and hence the amount that an insurance company has to pay out in the event of an accident.

All this leads to one very simple suggestion, which is “If you have a big car, get a smaller one and if there are expensive modifications, get rid of them. The three tips outlined above are responsible for hundred of dollars in savings for people who have had to get bad driver car insurance. You have nothing to lose by employing them in your search for dirt cheap insurance.

Young Driver Car Insurance – 5 Ways to Make it Affordable

Are you dreading the day when you have to add your teen to your car insurance policy? You have probably already heard nightmare stories from friends whose young driver car insurance resulted in a 50-100% increase in the family’s overall premiums. Ouch!

Many car insurance companies consider drivers under the age of 25 to be at much higher risk for vehicle-related accidents. And if you’ve driven by your local high school parking at 3:00 lately, you probably know too well the driving habits of young drivers. Yet, there are a few things you can do to help your teen become a safer and cheaper-to-insure driver. The following five ideas will have a positive impact on your family car insurance rates:  

1. Keep that driving record clean. Even one DUI infraction can multiply a young driver’s car insurance premium by a factor of ten. And that’s not just for one year. The increased annual premium is likely to stay in effect for three years, costing literally thousands of extra dollars in increased insurance premiums.  

2. Keep those grades up. Some car insurance companies offer lower rates to young drivers who qualify as full-time high school or college students and maintain at least a 3.0 grade average. It doesn’t hurt to ask about it when you’re shopping for car insurance quotes!  

3. Consider an accredited driver safety course for your young driver. Some insurance companies sponsor them locally, or check online with the National Safety Council. Your young driver might qualify for a car insurance discount, and is likely to become a safer driver in the process. A double win.  

4. Consider a safer car. By avoiding sport cars, expensive cars, and SUV’s your young driver may save up to 50% on car insurance premiums. Consider a newer model car with airbags as a cheaper, and safer, alternative for your teen.  

5. Stuff the car with safety features. To keep your teen safe, and save on car insurance premiums, consider adding side-airbags, automatic seat belts, and anti-lock brakes to your young driver’s vehicle.  

By considering these five factors, you can make those teen years a little less expensive and a lot more enjoyable.   When you’re ready to start shopping for young driver car insurance [], consider getting multiple quotes from the online service recommended below. They provide at least five free quotes from major insurers.

Young Driver Car Insurance at A Discount?

Young Driver Car Insurance Sticker Shock!

Unless they are insurance agents, most parents are stunned when their teenager starts to drive. They are shocked because of the price of car insurance, which may be triple that of the experienced drivers. This is because the student driver does not have their own driving history, and so insurance companies lump student drivers together with other drivers their age. This group, traditionally, experiences a high accident rate, and young males are hit even harder than young females.

Available Teenage Driver Discounts

You can save money by looking for discounts that many car insurance companies offer. Even though teenage drivers tend to be in a high risk group, insurance companies recognize that some young drivers are a lower risk than others. For instance, students who maintain a good grade average will earn a discount from many major companies. The companies usually require a B average.

Also, insurance underwriters – those who assign risk and set rates – will like it if the student driver takes an accredited driver safety course. The cost and time of taking such a course are sure to be worth it for a couple of reasons. For one thing, these courses have been proven to teach young drivers to be better drivers. In addition, some insurance companies will offer discounts to drivers who take these classes! You can find these classes by searching on the internet, checking with your state insurance department, or just asking your insurance agent or company.

You may also profit by bundling all insurance policies with the same company because of multiple insurance policy discounts. If the parents and student driver use the same company, and maybe also throw in the homeowners policy, then some companies will give the family a break to keep their business. The multiple policy discount will not always give you the lowest possible rate, but it is worth checking into.

If the cost of insuring a student driver on the parent’s fairly new car is just too high, consider purchasing an older car for the young driver. Where the newer car may need full coverage, especially if it has not been paid off yet, an older car will probably just need the minimum required liability car insurance. The savings can be hundreds of dollars a month on car insurance, and that may be more than the price for a used car payment!

Shop Around For Affordable Insurance

You will find big differences between insurance rates, and it does pay off to shop around. This used to be much harder when you had to call around and give complex information over the phone to multiple insurance companies in order to get a quote. Now, with the internet, you can usually fill out a quick form with basic information, and then sit back and get car insurance quotes delivered to you. If you are looking for an online insurance quote form, try to find one with third party verification like the Better Business Bureau Online Program or The National Ethics Check. The quote form should also run on a secure server so your information is protected. However most online quote forms will not need private information, like social security numbers, just to run a quote.