Even with a driving record that would make Kiefer Sutherland cringe, there are ways for you to save some cash on auto insurance. But do not think for a second that you can keep downing three quarts of vodka and get in your car to cruise downtown. What that means is go improve your driving record first. Stop on yellow, do not step on the gas until the light turns green, and religiously follow traffic rules.
While you are at it, pay all your outstanding bills. It does not have anything to do with your driving record, but insurance companies keep a close watch on your credit history when assigning premiums.
Also lower your insurance policy. If you drive a cheaper vehicle, it does not require you to have specific types of coverage like comprehensive and collision. Comprehensive has your vehicle covered and at times even other cars while collision provides coverage to your vehicle if it bumps into or is bumped by another vehicle or other object. It will provide payment for you to have your car repaired.
It will not be difficult for you to decrease your liability insurance as long as you have reached the minimum set by the law of your home state. Be aware though that lowering your liability coverage could place your other assets like your home in peril, if damages in a serious accident go beyond your liability coverage.
Some high-risk drivers soon realize that many insurance companies do not hold their past driving records against them for all time. An insurer could see a formerly bad-risk driver as a good risk after a three-year spotless record. Also, if you have your credit rating in the black, the sooner you could get lower insurance premiums.
These very same drivers have also learned a lesson – it does not pay to lie to an insurer about your driving record. Insurers could have up to two months to look into insurance applicants’ backgrounds.