Getting car insurance for convicted drivers is very tough to get at a low rate. There are many people that have had convictions for various things such as drunk driving, and this really damages the credibility and risk profile that is held by an insurance company. Most people that are labeled as “convicted drivers” take a look at the quotes that they are offered by most insurers and are discouraged from buying a policy. Unfortunately, if they want to clean up their records and avoid future convictions, the very thing that they need to do is buy a good auto insurance policy. If you have had to deal with a conviction, you don’t need to go out and buy comprehensive car insurance, but you will probably want to get at least standard car insurance coverage so that you are covered for liability, property damages, and bodily injury if you get into an accident.
Car Insurance Quotes for Convicted Drivers
If you are a convicted driver, then it is a good idea to gather quotes online to see what companies are charging for their policies. It would be a smart option to take a look at as many insurance companies as you can and fill out free quote forms so that you can weed out the ones that are too high of a price for you to afford. Since you are convicted, you are considered a “high risk driver” – your conviction has increased the overall risk that you pose to insurers. If you want to get a low price, you are going to eventually want to find ways to decrease that risk. Anyways, after you have gotten your quotes, you should contact the companies that you got quotes from and verify the prices that you have received as a convicted driver.
Sometimes you will find out that you are able to find out about savings over the phone that may not have been clear on the internet. Eventually, you will probably need to provide the insurers with information about your conviction so that they can analyze it and assess your level of riskiness as a client. Many companies will allow you to explain your conviction to them and will be able to work with you, despite what it says on their website. It is always worth contacting a representative to make sure that you do not rule out a company just because of the info on their website.
Want The Cheapest Car Insurance for Convicted Drivers?
Everybody that is convicted wants to get the cheapest policy, but as I have said in the past, just because you are getting “cheap” coverage does not mean that you are getting quality coverage. You want to get insurance through a company that does not bail out on you when you go to file a car insurance claim; you want a company that is supportive of you as a client. The bottom line is that you are going to need insurance as a convicted driver, so you mind as well get used to dealing with a car insurance company. When it comes time to explain your conviction to them, make sure that you are honest with them.
The worst thing that you can do as a convicted driver is to tell a lie or skewed story about your conviction. It is much better to tell the truth and deal with the consequences then to lie. If you tell lies about your past to your insurance company, they may find out about it and choose to drop your policy if you get into an accident or are in trouble as a driver. The best policy as a convicted driver looking for an inexpensive coverage plan is to make sure that you are honest and speak the truth about your conviction.
Getting Cheap Car Insurance for Convicted Drivers
Choose a good insurance company
If you want to get cheap car insurance as a convicted driver, you are going to want to choose a good company to work with from the beginning. Make sure that the company that you decide to buy coverage through is a reliable, trustworthy insurer that knows you are a convicted driver. Many companies will reject you for a policy when you are convicted, but don’t get discouraged. As long as you keep searching and explain your situation honestly, you will eventually find one that will work with you so that you are able to get a solid insurance policy.
Know what policy is right for you
Knowing what policy is right for you is a key part of getting good coverage as a convicted driver. Know whether you are going to get used car insurance or whether you are going to need third party only car insurance. What type of vehicle do you drive? Where do you live? Do you have proper security features installed on your car? In most cases, you will probably want to get a standardized amount of coverage, but if you cannot afford it due to the high prices, you may be able to get away with a minimalist-type insurance policy for a year or two until you are able to afford higher quality coverage.
Reduce your risk over time
The best way to reduce your risk over time and get a deal on convicted driver car insurance is to practice safe driving habits and avoid future convictions. Activities like drunk driving, chronic speeding, not obeying traffic laws, and involving yourself in criminal activities is going to set yourself up for another conviction. Unfortunately, many high risk drivers have a tough time paying for insurance due to the fact that they are constantly convicted. Make sure that you set yourself up for a brighter future by taking conscious steps to reduce your risk over time.