There are numerous ways to get the best car insurance rates possible. Auto insurers today offer discounts for being married, for having multiple cars or multiple drivers, for being a student or a member of the military or even for paying insurance premiums online. However, the best way to ensure great coverage at an affordable price is to have a clean driving record, free of major tickets, violations and at-fault accidents–something that not everyone currently possesses.
Millions of Americans have been caught speeding or have been involved in other violations and accidents that have left them with points on their driving records. The result of this is usually higher insurance premiums, although drivers with a certain number of points on their records may also face discontinued coverage or even suspended licenses. This is because most standard auto insurance companies calculate a driver’s risk of future claims by examining their past driving record. Fair or not, insurers take past accidents, DUIs and speeding tickets as evidence that they may have to pay out costly future claims on the client’s behalf–a chance that many aren’t willing to take. As a result, most auto insurers that cover high-risk drivers make these customers pay “premium premiums” for the extra risk assumed.
Fortunately, there is hope. Drivers with points on their licenses do not have to give up driving or pay exorbitant prices for car insurance. Specialized, high-risk auto insurance is one option that allows people with poor driving records to save money while looking toward the future.
Unlike standard insurers, high-risk or nonstandard auto insurance companies specialize in covering those with histories of risky driving. Because all these companies do is cater to high-risk customers, the liability they take on is spread more evenly amongst all their clients. This means that no one customer poses more of a risk than the other, and no one driver is more likely to cost the insurance company money in future claims. As a result, the company has less to lose in offering high-risk drivers coverage, which means that it can afford to provide lower rates.
It’s a win-win situation for all involved. The insurance company gets a new customer and the driver gets to stay on the road. Even better news is that points are not permanent: in most states points expire within two to three years. Thus, once their driving records improve, consumers have the option to go back to traditional insurance companies or to stay with their higher-risk carriers if they so please.
For those who currently struggle with the rules of the road, as well as for those improving their driving skills while they wait for points to expire, high-risk auto insurance is a cheap, sensible alternative–one that can save money twice or even three times over, as high-risk auto insurers also offer the same myriad of discounts available from traditional companies. That means savings not only for buying nonstandard insurance, but also for being married, for being a student and for having multiple cars or drivers. And who couldn’t use those kinds of savings?
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How to Get Cheap Car Insurance With Points On Your Record
- Olivia
- $600
- Aug 5, 2022
- Tracie
- $3600
- Jun 30, 2022
- Laura
- $3600
- Jun 27, 2022
- Carol
- $400
- May 31, 2022
- Christopher
- $360
- Apr 11, 2022
- Asam
- $1200
- Mar 21, 2022
- Courtney
- $1200
- Mar 5, 2022
- James
- $3600
- Sep 22, 2021
- Gladys
- $600
- Jun 26, 2021
- Sameer
- $400
- Jun 17, 2021
- Raquel
- $1800
- Jun 2, 2021
- Sharon
- $2000
- Jun 2, 2021
- Julia
- $243
- May 11, 2021
- Stephanie
- $3240
- May 6, 2021
- Tamika
- $480
- Apr 26, 2021
- Ierome
- $500
- Apr 14, 2021
- Sydnei
- $1068
- Apr 9, 2021
- Eavan
- $1200
- Mar 29, 2021
- George
- $1200
- Mar 27, 2021
- Gregory
- $1200
- Mar 26, 2021
- Steven
- $132
- Feb 27, 2021
- Daniel
- $1400
- Feb 24, 2021
- Sandra
- $1200
- Feb 21, 2021
- Sara
- $1000
- Feb 9, 2021
- Cyeriez
- $3000
- Feb 7, 2021
- Beatrice
- $400
- Jan 20, 2021
- Laura
- $400
- Oct 27, 2020
- Angelita
- $1800
- Oct 18, 2020
- Alen
- $3000
- Oct 16, 2020
- Artie
- $2400
- Oct 2, 2020
- Sana
- $1200
- Sep 29, 2020
- Robert
- $2400
- Sep 21, 2020
- Tiffany
- $780
- Sep 15, 2020
- Alisha
- $480
- Sep 4, 2020
- Joseph
- $540
- Sep 4, 2020
- Anthony
- $600
- Aug 17, 2020
- Shuntalisa
- $1200
- Aug 10, 2020
- Kathy
- $1200
- Aug 4, 2020
- Heather
- $1200
- Aug 4, 2020
- Heather
- $600
- Aug 4, 2020
- Yvette
- $1200
- Aug 3, 2020
- Andrea
- $120
- Jul 23, 2020
- Jose
- $720
- Jul 14, 2020
- Kathryn
- $2400
- Jun 4, 2020
- Kevin
- $1200
- May 12, 2020
- Letha
- $840
- May 7, 2020
- Megan
- $600
- Apr 20, 2020
- Gregory
- $3600
- Apr 18, 2020
- James
- $1440
- Apr 16, 2020
- James
- $960
- Mar 24, 2020
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We can find you the best quotes for your unique circumstances, but we can’t change your driving record or other aspects that impact your insurance options. Here are a few things that can make a big impact now, and in the future.
Bundle your auto insurance with other policies
One of the easiest ways to save is by settling on a single insurer for multiple policies. Most insurance companies will automatically prorate savings and pass them along to you.
Consider a family or group insurance plan
Insurance costs are often lower if you share a policy with multiple people. Bundle each family member’s insurance or go in on a policy with a group to find lower rates.
Build your credit score
The better your credit, the easier it is to get a cheaper insurance policy. Insurance companies use this metric to determine insurance costs, so you’ll want to work on improving your credit to lower premiums.
Take a defensive driving course
If your driving record is a little rough, it can help to take a defensive driving course. Insurance companies often take that into account, and it can often lower your rates.
Purchase a vehicle with the latest safety features
Cars with safety and anti-theft features can help out your insurance prices because they’re less likely to be stolen or damaged. Definitely take a look at these.
Ask about discounts that might be available
Depending on your personal history and a few other factors, there may be a discount or two you qualify for that could lower your rate even further. Some of the most common discounts include good driver or senior discounts.
The opportunities to save even more by applying a discount to your rate are everywhere. Get more affordable car insurance with these discounts:
- Military and Federal Discounts
- Safe Driver Discount
- Good Student Discount
- Multi-policy Discount
- Safety Feature Discounts
- & More!
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"After being with my insurance company for just shy of 10 years, and after having shopped at companies that everyone around my hometown swore were the cheapest, I decided to shop here... and ended up saving just under $1,100 off my annual insurance bill, which is a lot more than I ever could have imagined anyone saving, especially me, an avid online shopper and extreme bargain hunter [...]”
- Jared
If you’re ready to see how much you could be saving on insurance premiums, look no further. Get quotes from the top insurance companies in less than five minutes!
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