Affordable Auto Insurance With a Poor Driving Record

If you've been at fault for a few accidents or racked up several moving violations, your insurance company may consider you a high-risk driver. Since insurers calculate premiums based on how much risk a customer presents, you'll likely see your rates go up. Even switching to a new company may not help lower your premium if you have a poor driving record. Luckily, there are some steps you can take to improve your record and make insurance more affordable.

Improve Your Credit Score

Many insurance companies check your credit score when determining your auto insurance premium. If you have a good score, it shows that you pay your bills on time indicates that you'll be responsible when it comes to paying your car insurance. Pay extra attention to your finances in order to boost your score.

Look for Discounts

There are many discounts available to drivers, and these can lower your premium regardless of your driving record. Consider bundling your life insurance, homeowners insurance, and auto insurance together to save money. If you're a student, a member of the armed services, or a senior citizen, you may also qualify for discounts.

Focus on Driving Safely

The most important thing to can do is to make a commitment to obey the rules of the road from now on. By following the speed limit and being considerate of other drivers, you'll lower the chances you'll get into another accident or be ticketed.

Consider taking a defensive driving course to improve your skills. Some insurance companies will give you a discount if you take a course that's approved by them, but it could be a wise decision either way.

Drop Unnecessary Coverage

Your state most likely requires you to carry a minimum amount of liability insurance. If you have other types of coverage, such as collision and comprehensive, you could consider getting rid of them in order to make your premium affordable. However, you'll need to way to weigh the pros and cons of this decision, especially if you drive an expensive vehicle.