Most insurance companies do not like to take the risk of providing insurance to the many bad drivers out there on the roads today unless they are well compensated. This compensation comes in the form of significantly higher rates than those of good drivers. In this case good and bad are determined by your driving record, number and type of tickets, accidents, age and gender.
Therefore, if you are one of the individuals who have had some unfortunate experiences behind the wheel, then you are most likely dealing with these frustrating issues with your insurance premiums. The sad truth of it all is that you will continue to have troubles until the reasons for it are straightened out. If you require bad driver insurance, you will inevitably pay more. Unfortunately, there is no way around that problem. However, there is light at the end of your tunnel. Following, are the four best ways to get great car insurance rates no matter who you are or what type of driving habits you have had in the past.
- Work on improving your driving skills, such as taking a driving class. After doing so, within a relatively short period of time, your rates will improve. In addition, if you offer proof of your successful completion of the class to your insurance company, they’ll most likely give you a discount on your auto policy for that as well.
- When purchasing a vehicle, make sure to get a car that is “insurance friendly.” Insurance companies change their rates depending upon the car you choose to drive. Before making the purchase, see if your choice of vehicle will increase your insurance rates.
- Attempt to do less driving. If you put less mileage on your car every year, it will not cost nearly as much to insure. Typically, auto insurance companies use 12,000 miles per year as their average, so if you can keep your mileage below this standard, you stand a greater chance of paying out less cash in auto insurance premiums.
- Last, but not least, consider increasing your comprehensive and collision deductibles. This can, in most circumstances, result in a reduction of your insurance premium.
These are just a few of the ways to reduce your car insurance rates, there are many more if you choose to do further research. The bottom line is it doesn’t matter who you are or what your previous driving record may contain, you will be able to reduce your auto insurance rates.