Is there such a thing as a bad driver auto insurance company?

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Here's what you need to know...
  • Most states require liability insurance
  • If caught driving uninsured, you may have to pay fines and reinstatement fees to restore driving privileges
  • High-risk drivers will pay more for monthly insurance coverage

In most states, auto insurance is compulsory. Although laws differ from state to state, failure to maintain auto insurance typically results in a license suspension. You may also have to pay fines and reinstatement fees in order to have your driving privileges restored.

You may also have to pay fines and reinstatement fees in order to have your driving privileges restored.

Fortunately, there are companies that specialize in providing insurance for bad drivers. These drivers might need high-risk auto insurance coverage.

In the insurance industry, these companies are referred to as “non-standard” auto insurance carriers.

Find quotes for you no matter what your driving record by entering your zip code into our FREE car insurance comparison tool.

Finding a Bad Driver Auto Insurance Company

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Finding non-standard auto insurance companies does not have to be a difficult task. One way is to contact an independent insurance agent in your area.

Independent agents work with multiple insurance companies, and some write business for companies that specialize in providing coverage for drivers who are difficult to insure.

Be honest about your driving history. The agent can tell you right away whether he or she represents a company that can help you.

If the agent does not work with a non-standard auto insurance carrier, he or she will advise you to contact another agent.

Providing your agent with correct information is critical to finding and securing coverage with a spotty driving history. With the correct information, your agent can tell you up front whether he or she can help you obtain insurance coverage.

With the correct information, your agent can tell you up front whether he or she can help you obtain insurance coverage.

Omitting violations or accidents on your record will not help you because any insurance company the agent represents will pull your driving report before making a decision.

Non-standard car insurance companies also typically advertise online and through radio and television commercials.

You may be able to obtain a quote and start a policy directly through the company, instead of working with an agent. This allows you to obtain the coverage you need without having to leave your office or home.

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Getting SR-22 Coverage

If you have a bad driving history, you may need an SR-22 certification. This certification allows you to reinstate your driving privileges if your license has been suspended.

Non-standard auto insurance companies typically provide SR-22 filings for policyholders for a nominal fee.

It is important to remember that you must maintain continuous insurance coverage in order to keep your SR-22 active.

If you miss a payment or the company cancels your policy, your driver’s license will be suspended in most states unless you have obtained replacement coverage.

Let your agent or company know that you need an SR-22 when you obtain a quote. Insurance companies do not search motor vehicle department records to determine if you require an SR-22 filing.

Insurance companies do not search motor vehicle department records to determine if you require an SR-22 filing.

Obtain Bad Driver Insurance Quotes Online

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Because many non-standard auto insurance companies have websites that offer quoting engines, obtaining rates for car insurance coverage is a simple task. Different information will be required.

You may need to enter the serial number, also called a vehicle identification number, for each vehicle you want to insure. You will also enter the personal information and driving history for each driver who will be covered under your policy.

You will also enter the personal information and driving history for each driver who will be covered under your policy.

After you have entered this information, you will receive a quote that reflects the premiums you will pay for auto insurance coverage.

You can obtain quotes from websites that contain non-standard insurance companies to ensure that you are getting the best deal for your money.

In some cases, you can purchase your policy online after you have obtained a quote that meets your budget and reflects the coverages you need.

Some non-standard auto insurance companies give you the option to make your initial payment and installment payments with a debit card, credit card, or electronic check.

Bad Driver Auto Insurance Costs

Insurance companies base rates on the probability of having to pay a claim.

Drivers with past accidents or violations are statistically more likely to be involved in accidents, which costs insurance companies money.

For this reason, non-standard car insurance companies typically charge higher premiums than standard insurance carriers.

Fortunately, there are strategies that can help you minimize your auto insurance costs. Shopping around for coverage can help you obtain coverage at the lowest possible rates.

Although you might be tempted to purchase a policy from the first company willing to accept you, comparing quotes online or through an agent will help reduce your costs.

You can also take advantage of policy discounts offered by non-standard car insurance carriers.

Most companies offer discounts for vehicle equipment such as anti-lock braking systems, anti-theft devices, and side curtain airbags.

If you are a college or high school student, you might also earn a discount if you maintain a grade point average of 3.0 or higher.

Although finding car insurance coverage with a bad driving record can seem like a challenge, non-standard auto insurance companies can help you obtain insurance coverage, even if you have made past driving mistakes.

Find affordable quotes from these companies with your zip code in our FREE comparison tool!

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