low car insurance

How to Get Low Car Insurance With a Bad Driving Record?

Are you looking for ways to get low car insurance even when you have a bad driving record? We listed down ways to make sure you can still find the ideal insurance option for your coverage needs.

Buying for low-charge insurance with a bad driving record may seem challenging, but nobody said it’s not possible. Don’t worry. There are still a lot of insurance companies out there who can give you insurance coverage options even with a bad driving record.

To start with, there are a variety of things that can impact car insurance rates. However, one of the biggest factors that insurance companies consider when setting rates for a driver is what their driving record is like.

If you have a bad driving record, you may be concerned about the cost of auto insurance. Your driving record will likely result in higher rates. The tips below may help you maintain your automobile running without breaking the bank.

Work With an Attorney

If you’ve already been convicted of traffic offenses, there’s not much you can do but wait for them to fade away from your record.

However, if you have pending driving charges right now, then you should think ahead about things like insurance increases.

It usually isn’t a good idea to plead guilty to a speeding ticket or other driving violation, unless you have been advised to do so by an attorney. It might not be too late to save your driving record and potentially save on car insurance. 

With that said, our best advice is for you to consider hiring an attorney to help you with any pending citations or tickets that you might have.

One quick, easy, and effective way for you to reduce your insurance rates in any situation is to consider raising your deductible. Basically, it’s the amount that you will be required to pay if you need to file a claim with the insurance company.

Consider Raising Your Deductible

Some people like to keep their deductibles low. Many consumers do not want to pay large sums of money upfront when filing an insurance claim. This certainly makes sense. However, it can have a big impact on the amount you’re paying on your monthly car insurance.

By raising your deductible, you should see a noticeable decrease in your insurance premiums. However, there are a couple of things that you should keep in mind before you make this decision.

First, if you owe money on your car, examine your paperwork to see what insurance requirements your lender has. Your contract may require you to keep your deductible low.

Secondly, make sure that you don’t raise your deductible to an amount that you won’t be able to pay during emergency. Such as if you’re involved in a car accident. Drivers often feel more comfortable if they’re able to keep their deductible amount in their savings account. This way, they’re prepared for the type of situation.

Consider Eliminating Unnecessary Coverage

The amount of coverage you have on yourself and your vehicle can have a crucial impact on your insurance costs. In some cases, reducing your coverage can make sense so that you can keep your insurance premiums in your budget.

If you own a paid-off car, you’re only required by the state of North Carolina to have liability coverage. Therefore, if you have comprehensive and collision coverage on your vehicle— which can really drive up your insurance rates — you should switch to liability coverage only. 

Although this can save you a lot of money, however, you should be very keen to choose this option. After all, if you only have liability insurance, then you won’t be covered if your vehicle is damaged in an accident at your fault.

Also, paying for the little “extras” with your insurance can seem like a good idea. Such as having a rental car or towing coverage. You may want to consider keeping this coverage if you can. However, if you have a tight budget, you may want to trim off some of your extras until your driving record improves.

Work With an Independent Insurance Agent

If you have never worked with an independent agent when shopping for auto insurance, you should know that there are many benefits to doing so. 

Many people like the more personal experience of working with a local insurance agent. Working with a local insurance agent can be a totally different experience from what you might be used to in today’s tech-forward world.

Regardless of your driving record, an independent insurance agent may be more inclined to listen to your concerns. They also help you get affordable auto insurance in North Carolina.

An agent who works with multiple auto insurance companies will typically get their clients a quote from multiple companies. Then they can help customers choose the finest coverage for the best price.

Learn About the NC Safe Driver Incentive Plan

If you’re looking for car insurance in North Carolina, you must know about the NC Safe Driver Incentive Plan. If you don’t already know. The North Carolina state statute introduced the DSIP to encourage safer driving habits.

This plan specifies the number of insurance points drivers will receive for each driving-related conviction. Including the percentage increase in their insurance costs.

It’s critical to understand how different convictions affect your insurance. After all, understanding the DSIP in North Carolina might help you comprehend what you will be charged for insurance and why. It can also help you avoid significant traffic infractions.

Ask About Discounts

It’s always a good idea for drivers to ask about getting a discount on their auto policy. It’s an even better idea for those who pay higher rates because of a bad driving record. After all, if you can score multiple discounts, it might make your insurance a lot more affordable.

Insurance companies sometimes provide discounts for drivers who are willing to go to driving school, who are students who have been getting good grades, or who are members of certain professional organizations or who work in certain industries. In some cases, you can get a discount if you bundle your insurance coverage through the same provider or even if you sign up for autopay. Different companies offer discounts for different things, so you should ask your independent insurance agent for advice.

Maintaining auto coverage is important for all drivers, but it can be challenging and expensive if you have a bad driving record. Luckily, it is possible to purchase car insurance in North Carolina without breaking the bank, even if you have had a few speeding tickets or have been involved in an accident. Just follow the advice above and work with a local agent, and you may find that sticking within your budget is actually a lot easier than you thought it would be.

Get Low Car Insurance at Harbor Insurance

As an independent insurance agency, Harbor Insurance knows what options you have for your car insurance. 

As one of North Carolina-based insurance providers, we aim to help you determine the most appropriate coverage and find the best options with top-rated carriers. In as easy as a 30-minute consultation, we can let our team of skilled licensed agents help you today.

Final Thoughts.

That sums today’s blog on how you can get a low insurance price despite having a bad driving record. You also need to know that the price of auto insurance is likely to continue to rise in the future, having a great agent near North Carolina can help you prepare for this instance.

If you’re looking for a reliable insurance agency near North Carolina, then don’t forget to book an appointment with us today, and let’s help you get clear on the right insurance coverage that will change your life.

Request a quote with Harbor Insurance now!


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