If you are a convicted driver or someone that has been in significant trouble with the law, your chances of getting a good deal on your insurance policy drastically drops. Cheap car insurance for convicted drivers is not only hard to come by, but if insurance companies offered cheap prices to convicts, they would be putting their business at risk. Anytime that a convict goes to get any type of car insurance, their prices will generally be inflated in order to compensate for the fact that they pose significant risk to the insurer. If the legal trouble that an individual got into was not specifically related to driving and is relatively minor, they will likely get a better deal on their insurance policy in comparison to someone that has a long history of offenses like drunk driving or license suspensions.
Drunk Driving Convictions
The most common way that people get labeled as convicts while driving around on the road is from drunk driving. If you really want to damage the relationship that you have with your insurance company, put others and yourself in danger while on the road, and get into trouble with law enforcement, then drinking and driving is a great way to do it. It is thought that most people that drink alcohol have driven drunk at some point in their lives. Hopefully the awareness continues to spread that drunk driving is unacceptable and downright dangerous. If you were convicted based on the fact that you drank and drove, then getting cheap car insurance is going to be tough to get.
Other Reasons for Conviction
There are other ways that people get into trouble with the law besides drinking though. You do not need to do anything wrong while on the road to have the label of a convict. Insurance companies will ask about your history as a person and whether you have had any legal troubles such as arrests or whether you’ve been imprisoned. Individuals that have been caught committing various crimes such as stealing, vandalizing property, or caught with drugs will have this on their record for a long time to come. Obviously nobody wants a bad record, but the fact is that you will need to deal with it if you are facing a situation in which you are trying to get yourself cheap car insurance for convicted drivers or some type of policy that caters to people with a history of legal woes.
Convicted Drivers Still Need Car Insurance
If you are a convicted driver, the fact is that you still need car insurance while on the road. Unfortunately, there are many people driving without insurance that have been convicted because they think that they can get away with it. Many do get away with the fact that they don’t have insurance, but it will likely catch up with them sooner or later. Even if they are trying to drive the best that they can, all it takes is one freak incident while on the road and they are going to be in deep trouble without insurance. In most cases, it is illegal to be on the road without at least having third party car insurance to cover for damages inflicted upon others.
What happens if you are a convicted driver and you don’t get car insurance? Well, if you end up getting into an accident that causes any type of harm that results in damage to another person’s vehicle and inflicts bodily injury, they have the right to take you to court and file a lawsuit for their damages. If you have insurance, your insurance company will pay them for the damages and you will not need to worry about paying out of your own pocket. If you fail to get proper auto insurance, the person that you get into an accident with will try collecting money from you. If you don’t have money to reimburse them for their damages, then you will get into even more legal trouble and may face additional convictions.
You ALWAYS need Insurance if you plan on driving legally
Even if many companies turn down your request to purchase car insurance for convicted drivers, there will be companies that will be able to work with you and help you stay insured while you are on the road. There are specialist auto insurers for nearly every little niche these days and convicts aren’t an exception. There are a lot of people that have had legal problems that need good insurance for themselves so that they can drive their vehicles. If you are having trouble finding some insurance to buy, you can always look on the internet.
Online you will find many different types of companies offering insurance. You will find large, well-known companies, smaller niche companies, as well as medium sized companies that are somewhere in between the large and the small. None of these companies are necessarily better than the others in all situations. It is up to you to do research and find out what type of insurance policy would work best for you. If you want to get a very comprehensive car insurance policy, then it is going to take more money to pay for than one that is considered minimal.
A good idea for convicted drivers is to make a list of companies that you know will definitely work with you and get you a policy. After you have made a decent sized list of companies that will work with you, select a few companies that you would like to have coverage under. Take the time to research these companies to make sure that they are providing legitimate coverage. After you have found some that you know you would like to purchase coverage through, compare the car insurance rates that they can offer you as a convict and see whether you can still qualify for some discounts. Many people become so discouraged that they are labeled as a “convicted driver” that they don’t even try to take advantage of the available discounters; always be optimistic about savings and ask about whether you qualify for them.
How to Get Cheap Car Insurance for Convicted Drivers
There are a lot of different things that you can do in order to get the prices that you pay for your car insurance reduced, even if you have been convicted and are labeled as such. You can still save yourself money on a car insurance policy if you take advantage of all of the savings that are available and make smart moves when you buy a policy. If you are discouraged that you won’t be able to get a policy that you need, then check out the few recommendations below that should help you save some of your hard earned cash while getting an auto insurance policy that you want/need.
The first thing that you should do when looking for a policy as a convicted driver is to gather quotes. However, you have to be honest with the insurance companies when they ask if you have a legal record. Generally, when they are dealing with convictions they have to adjust the price of the quotes that they offer to being more expensive because a “conviction” (it may depend on the type) will raise your overall rate. You want to know ahead of time what this inflated rate will be so that you are not surprised when it comes to actually buying a policy. If you don’t know where you can get free car insurance quotes, then start looking on the internet or contact some car insurance companies with a phone call; they should be able to guide you in the right direction.
After you have gathered quotes from a lot of different companies, it comes time to compare the quotes to see which ones you think are most fairly priced. Obviously the cheapest quotes do not necessarily indicate the most comprehensive car insurance coverage, but they will save you money compared to the others. It would be a good idea to compare the quality of car insurance that is offered with the quotes that you have been given. Decide which ones that you can afford and which car insurance company you would like to be affiliated with. This does not need to be a complicated process, in fact, you can make a list of the best quotes and then select a few that you could afford. Next, all you have to do is decide on the company.
Decide who offers the best rates
Deciding which company offers the best rates on their insurance policy is essential. The cost of your monthly car insurance payments should be within your budget. Never take a deal that you know you cannot afford. If you default on your car insurance payments, you will likely stop getting the coverage that you need until you make them. So do your research and make sure that you are working with an auto insurer that is giving you a fair price. You may not necessarily want to find the cheapest car insurance for convicted drivers because getting the “cheapest” may mean that the coverage is fairly poor.
Buy a minimal auto insurance policy
If you are really hard-pressed to save cash, you can buy a bare minimum type insurance policy for your car. There is nothing wrong with having the minimal amount of coverage because at least you will be driving legally and will have some insurance to back you up in case you would get into an accident. When you are shopping for car insurance, you always have the option of asking what the minimal policy would be in your situation and how much it would cost.
In many cases, the minimal policy is affordable and will still provide you with some coverage while on the road. If you want a more comprehensive policy or a standard car insurance policy while on the road, you should make sure that you ask for quotes regarding those types of policies so that you know what to expect. However, if you want a really cheap car insurance policy, ask about getting a minimalist-type policy.
Ask about discounts and savings
Finally, you will want to make sure that you take advantage of any discounts that you can get from auto insurers to save you money on your policy. Most of the time the insurance companies will highlight all of the savings that you can obtain with various discounts and then they will let you know which ones you will be given. If they do not discuss discounts with you, be sure to ask – many people forget to ask about discounters and end up paying more money than they need to just because they didn’t ask. Although most reputable car insurance companies will tell you about discounts, you will still want to ask about them to make sure that you are saving as much as possible.
Why Car Insurance for Convicted Drivers is not Usually Cheap
The fact is that getting car insurance for convicted drivers is not usually going to be cheap based on the simple fact that a conviction increases the risk that you pose to an insurer. Anytime they have evidence of risky behavior or activities based on your legal record, they feel that you have a greater chance than other people of getting into trouble while on the road. For this reason, the price of your insurance is going to be higher than it normally would be had you not been in trouble with the law.
If you are having a lot of trouble finding a good auto insurance company because you have had legal troubles in the past, you can always hire a car insurance broker to help you with the process. Brokers know the ins and the outs of the business and know how to work with insurers to get their clients policies for decent prices. Even though you will need to pay a broker for his or her services, it may be worth it if they are able to get you a good deal on your policy. Getting a good automobile insurance policy can mean more money saved in the long term.
The bottom line is that even though you may be stigmatized due to the fact that you faced a conviction in the past, you still need to get car insurance. Getting a policy providing cheap auto insurance for convicted drivers is possible, but you are going to need to make sure that you do research and follow some of the tips that were provided in this article. If you are still having problems, contact an insurance agency and ask what can be done to increase your chances of getting a policy. Although you may have been convicted in the past, getting car insurance is one way to make sure that you are safe and protected while on the road.