Bad Driving Car Insurance Policy Online : The Essential Guide

If you are looking to buy cheap car insurance for bad driving record then we might be able to help you in finding a cover that best fits your specific driving needs and budget. This is despite the fact that premiums on car insurance for people with bad driving record charged are extremely high.

How To Save Money with bad driving record car insurance?

  • The car you drive affects insurance costs: Car with safety features like anti-theft alarms, side airbags, anti-lock brakes, etc. qualify for special discount. Therefore, if you have a bad driving history, there is little need to worry. You can capitalize on this aspect and get sustainable premium on car insurance for drivers with bad records.
  • Take a driving course: For being a more responsible driver, you can get enrolled for training course for learning defensive driving skills. Even if it doesn’t help in removing points on your driving record, you can still obtain cheap car insurance bad driving record.
  • Lower your coverage: In case you are driving an old used vehicle which has lost all market value, you can drop unnecessary coverage features such as comprehensive or collision cover. If so is your case then buying basic liability coverage could be desirable.
  • Speeding tickets

    Speeding is the most common traffic violation and it can lead to fatal accidents. Too many speeding tickets on record can result in higher premiums.

  • No prior insurance

    Driving car without insurance is in direct contravention to law and if driver gets caught by traffic inspector, he will have to pay huge penalties.

cheapest auto insurance for bad driving record

Who Is Considered as bad driver car insurance?

Companies brand drivers in the high risk category for a variety of reasons like bad driving records, DUI or DWI convictions, two or more traffic tickets, etc. Age, gender and profession can be other factors for branding “high risk” drivers.

What To Expect on Your bad driving record cheap auto insurance?

When you have bad driving history most of the insurers will treat you as a risky proposition and to compensate for the risks of granting car coverage, will charge higher premiums. So with bad driving record expect to spend more.

cheap car insurance for bad drivers

car insurance for bad driving records

How to Reduce Your Premiums on car insurance for bad drivers?

For reducing your auto insurance premium, you can take a training course for learning safe driving techniques, drop unnecessary coverage features if you are driving old cheap car and compare free car insurance quotes for bad driving records offered by several different top rated car insurers.

Are you living in Virginia State. Compare rates in your area

Discounts might be available to residents of Virginia State. Our comparison tool brings you 15+ personalized car insurance quotes from all the top insurers in your area

What Are The Things to Consider While Getting car insurance for bad driving record?


There may be some things that you can do on your own to enhance chances of securing cheap auto insurance bad driving record. First and foremost, you need to take urgent steps like getting enrolled for a training course to learn defensive driving skills to stay away from reckless driving practices.


Besides, extensive shopping could be required to get a premium rate which is easily affordable as well as sustainable. To that effect, you may have to compare free non-binding proposals from multiple top rated local car insurance companies and identify the best company for your specific driving needs and budget for bad driving record car insurance.


Last but not the least, parameters like safety features in car, dropping coverage levels, choosing higher deductibles, your exact residential location and insuring multiple cars in household with same insurer, etc. could be among other factors that might impact your ability to qualify for low premium rates during your effort for best car insurance for bad drivers.

Apply for Free Quote

Key Tactics for Getting Car Insurance Bad Driving Record

There are a number of training institutes which offer special courses to drivers for honing safe driving skills. You can get enrolled with one of them to get rid of your instinctive driving habits as that can help in getting your bad driver car insurance premium lowered drastically and in saving money.

Drive Older Vehicle

If you drive an older vehicle, you will have much better chances of getting your auto insurance premium rate reduced. Old cars have low market values and so, buyer need not spend money on purchasing comprehensive or collision coverage features. This enables substantial lowering of annual premium amount for buyer.

Important Tips For auto insurance bad driving record

If you have serious traffic violations like DUIs, DWIs, or a hit and run, you are a high-risk driver. You can get auto insurance but have to pay a higher premium compared to regular drivers.

However, there are a few tips for buying bad driver car insurance:

  • Take A Defensive Driving Course: With a defensive driving course, you learn safe driving, get discounts from auto insurance companies, pay lower premiums, and have lesser risk of filing claims.
  • Cars With Safety Features: You can get safe driving discounts when your car has safety features like restraint devices. Safe vehicles like family sedans attract lower premiums compared to luxury sports cars.
  • Use Carpooling Or Public Transport: Using carpools and public transportation means less time spent driving your vehicle and lesser accidents and lower claims being filed. You would be eligible for a Low Mileage Discount.
  • Go With A Specialist: When buying car insurance for bad drivers, go with an insurer that has experience in this category of insurance. You get guidance on discounts and safe driving practices that lower your premiums.
  • Pay A Higher Deductible: If you pay a higher deductible, the insurer bears a lower risk. You pay less for your car insurance. Your deductible would depend on your financial situation.
  • Be Part Of Your Family Policy If You Are A Teen: Teens are considered high-risk candidates and charged a higher premium. If you are on your family policy, you enjoy a multi-vehicle discount and won't be considered high-risk as a teen.
  • Pay Your Premiums On Time: Driving without insurance is illegal and should be avoided. Not only does it spoil your driving record but you could be paying higher premiums in the future for auto insurance bad driving record.

Get Best Car Insurance With Discount

Want Cheap Auto Insurance Quotes for Bad Drivers? - Apply Today!

Get Free Quotes