How to Get Low Car Insurance with a Bad Driving Record

Having a bad driving record can make finding affordable car insurance challenging. High-risk drivers often face increased premiums, but there are strategies to help reduce your insurance costs even with past infractions on your record. Whether you're dealing with speeding tickets, at-fault accidents, or other violations, here’s a guide on how to secure lower car insurance rates and improve your financial standing over time.

Why Does a Bad Driving Record Affect Car Insurance Rates?

Car insurance companies use your driving record to assess the risk of insuring you. A history of traffic violations or accidents suggests a higher likelihood of future claims, prompting insurers to charge more to cover this perceived risk. According to the North Carolina Department of Motor Vehicles, your driving history and other factors, such as the type of violations and frequency, impact your insurance premiums.

Common Issues That Affect Rates:

• Speeding Tickets: Frequent speeding can lead to increased premiums.
• At-Fault Accidents: These incidents suggest a higher likelihood of future claims.
• DUI/DWI Convictions: Among the costliest infractions, these significantly increase insurance rates.
• License Suspension: A suspended license flags you as a high-risk driver.

Steps to Get Low Car Insurance with a Bad Driving Record

1. Shop Around and Compare Car Insurance Quotes

Every insurance company evaluates risk differently, meaning some may offer lower rates despite a bad driving record. Compare quotes from multiple insurers to find one that offers the best rate for high-risk drivers. Look for companies specializing in “non-standard” car insurance, which is designed for drivers with violations.

2. Consider Usage-Based Insurance

Usage-based insurance (UBI) programs, offered by several car insurance providers, track your driving habits and offer discounts for safe driving. This can be an option to reduce costs if your driving has improved since your last infraction. Programs often use telematics devices or mobile apps to monitor driving behavior, such as speed, braking patterns, and overall mileage.

3. Opt for Higher Deductibles

Choosing a higher deductible on your car insurance policy can help lower your monthly premium. However, remember that if an accident occurs, you’ll pay more out of pocket. Consider your financial situation and determine whether you can afford the higher deductible if you need to file a claim.

4. Take a Defensive Driving Course

Many insurance providers offer discounts to drivers who complete an approved defensive driving course. These courses demonstrate to insurers that you’re working to improve your driving habits, which can sometimes offset the impact of a poor driving record. In North Carolina, check with the Division of Motor Vehicles (DMV) for a list of recognized defensive driving courses.

5. Seek Out Discounts and Coverage Options

Insurance companies often offer discounts that may still apply even with a bad driving record. Ask your insurer about available discounts, including those for bundling home and auto insurance, low mileage, or installing safety features in your vehicle. Some insurance companies also provide specific coverage options or insurance quotes for high-risk drivers, which may be worth considering if your driving history impacts standard rates.

Improve Your Driving Record to Lower Future Insurance Costs

Request a Copy of Your Driving Record

Understanding what’s on your driving record can help you strategize to improve it over time. You can request a copy of your North Carolina driving record from the DMV, which lists any infractions, points, and license suspensions. Identifying the infractions impacting your insurance rates will guide your efforts to reduce them.

Work on Point Reduction

In some states, including North Carolina, you may be able to remove points from your driving record by completing specific actions, such as taking a driver improvement course. Reducing points can improve your driving record and gradually lower your car insurance rates.

Focus on Safe Driving Practices

Demonstrating improved driving behavior can positively impact your insurance rates over time. For instance:

• Avoid speeding and follow traffic laws.
• Drive carefully in all conditions to avoid accidents.
• Avoid distractions, especially when driving in busy or challenging environments.

FAQs

Q: How long will a bad driving record affect my car insurance rates?
A: Most violations remain on your record for 3–5 years, although severe infractions like DUIs can affect rates for longer. Check with your insurance provider for specific time frames.

Q: Can I still get full coverage with a bad driving record?
A: Yes, but it will likely come at a higher cost. You may want to compare coverage options and limits to find a policy that offers the protection you need at an affordable price.

Q: Do all insurers check driving records?
A: Most insurers review your driving history, especially when determining car insurance rates. However, some insurers may be more lenient with minor infractions than others.

Final Thoughts: Finding Affordable Car Insurance with a Bad Driving Record

Securing affordable car insurance with a bad driving record is possible if you’re proactive about improving your driving habits and exploring all available options. By shopping around, taking advantage of discounts, and working to improve your driving record over time, you can gradually reduce your insurance costs. Remember, safe driving not only benefits your wallet but also contributes to road safety.

Ready to Save on Car Insurance? Request a Quote Today!

Don't let a bad driving record hold you back from getting affordable car insurance. At Harbor Insurance, we work with drivers of all backgrounds to find the best rates and coverage options. Get in touch with us today to request a personalized quote and start saving on your car insurance!