Let’s face it, if you own a car these days, getting insurance is a tricky business. But bad driver auto insurance is even more complicated. This is because insurance companies are always afraid (for obvious reasons) of insuring anyone who has been labeled a “bad driver.” Well don’t worry, because in this article I’m going to reveal 3 simple but effective ways to get really cheap fares no matter how bad a driver you are, seriously …
Tip 1: online quotes are the best
When looking for the best possible quotes, regardless of your driver’s position, it’s always best to go online. You will benefit from having a larger pool of insurers, which in turn will give you more options. Online insurers operate in such a competitive environment that it is almost a guarantee that they will try to beat any quotes you get from other online insurers.
Of course, this means big savings for you. But there is an even more important reason to use an online provider and it is this: many online providers specialize in insuring “bad drivers.”
Tip 2: Build Insurer Confidence
Whatever the reason for your “bad driver” status, you should do everything you can to improve your perceived image in the eyes of insurers. One way to do this is by participating in a defensive driving course. Although these types of courses are not required, they can help reduce your insurance by several hundred dollars.
Defensive driving courses work well because they instill the confidence an insurer needs that you won’t have to pay a huge bill soon after a policy is written for you. In other words, the chances of you getting into a serious accident are almost average, and nothing like the 4 times chance of a so-called “bad driver.”
Tip 3: consider your car and any changes made to it
This is one of the easiest ways to get good insurance quotes. You see, the type of car you own, the size of the engine, the specs, etc., can greatly influence how much you pay. The general rule of thumb is that the bigger the engine, the more expensive the car insurance will be. Modifications also add another dimension to costs, because they increase the value of the car and therefore the amount that an insurance company must pay in the event of an accident.
All of this leads to a very simple suggestion, which is “If you have a large car, buy a smaller one and if there are expensive modifications, get rid of them. The three tips described above are responsible for hundreds of dollars in savings for people who have had to get bad driver auto insurance.You have nothing to lose by employing them in your search for very cheap insurance.