How can drivers with convictions get cheaper car insurance?
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Asked July 29, 2013
Most criminal offenses are not registered against your driving license. The ones that are include DUI, reckless driving, or court ordered suspensions. If you are convicted of these offenses, you will usually have to carry an SR-22 statement of financial responsibility, and your regular car insurance premiums will go up. This does not mean that cheap insurance is not available, only that you are going to have to look further and work harder to get it.
Start by getting a free online auto insurance quote from this website. Fill out the simple form, and you will receive a free quote for the coverage you need, from several leading competitors. This gives you an idea of what the policy is going to cost as well as helping you find companies with the best prices. This is why it is always a good idea to buy insurance through a broker, because they work for you, and will try to match your needs with the best insurance provider in their network.
You can reduce the cost of insurance by trimming your insurance needs. For example, drive an older car that you can pay cash for. That will make it possible to drop the collision and comprehensive coverage, eliminating a large portion of your insurance costs but still meeting the requirements of your state of residence. Similarly, installing safety devices such as anti-theft devices or passenger or side air bags will cost you less in insurance. The key is that lowering your perceived risk will also lower your premiums.
You may also qualify for a number of personal discounts. If you are married, over 25, or have a bachelor's degree or better, you can qualify for discounts that will offset the high cost of insurance for a convicted driver. You can also lower the costs by driving fewer miles, or looking into a new type of auto coverage called pay-by-the-mile insurance.
Read more about cheap car insurance policies.
Answered July 29, 2013 by Anonymous