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.