Jessica Sautter is a Content Writer for with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 21, 2020

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Key takeaways...

  • The worse your driving record, the higher your insurance premiums
  • Expensive cars have higher insurance than inexpensive vehicles
  • Never drive without insurance

Most drivers don’t have a problem finding a car insurance company that will provide them with car insurance. However, if you have a bad driving record, you may be finding it difficult to get insured.

When you do come across companies that will offer car insurance, your rates are sky high.

Drivers with bad driving records are considered “high risk” drivers, which causes insurance rates to go up. Even if it’s been a while since your last ticket or accident, and yet if you’ve been a stellar driver since, it can take a long time for your driving record to come clean.

Enter your zip code above in our comparison tool, and you will receive multiple car insurance rates for FREE!

Why Your Insurance is So Expensive

The worse your driving record, the higher your insurance premiums. For example, a person with a DUI on their driving record will pay more for insurance than a person with a few speeding tickets.

One of the best ways to see your car insurance premiums drop is to improve your driving record. It may take some time, but eventually, you’ll notice that you’re offered better and better rates.

If you’ve noticed that your car insurance premium has gone up significantly in recent months, this may be due to points on your license. Sometimes merely switching car insurance companies will reduce your insurance premium substantially.

The easiest way to find car insurance quotes is to search online. This is an easy way to find local car insurance companies, figure out how much insurance will cost you every year and compare quotes.

Unfortunately, not every online search will take into account a less-than-perfect driving record.

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Car Insurance Comparison Shopping

Ultimately, the only way to find the cheapest car insurance rates possible, for good drivers and high-risk drivers alike, is to compare rates from different companies constantly.

Continually shop around for car insurance, even if you’re currently insured.

Car insurance rates tend to rise and fall depending on the economy. If you stay on top of the market, you may notice a car insurance premium decrease, which is the best time to seek out the lowest premium and switch car insurance companies.

There are plenty of websites that you can visit that will search for quotes for you.

Some websites will gather enough of your information to give you a realistic quote. You can also find specific car insurance providers online and apply for insurance right from your computer.

Here’s the following information you’ll need to provide to get your car insurance quote:

  • Geographical location
  • Age
  • Marital status
  • Make and model of your car
  • Driving record
  • Gender

Always answer these questions honestly. All of this information will affect your insurance premium. For example, insurance is higher in urban areas than in rural areas.

Teenagers tend to pay more for insurance than older people. Women often pay less overall for insurance than men do.

Other Ways to Reduce your Premium

There are a few different ways to lower your car insurance even if you’re a high-risk driver. Taking a defensive driving course will often reduce your premium a bit.

If you don’t notice this change after your 25th birthday, contact your insurance provider.

Trade in your flashy sports car for a more modest auto. Expensive cars have higher insurance than inexpensive vehicles.

Teenagers can save some money on car insurance by volunteering for community service. Also, some insurance providers will provide cheaper coverage for students who have high grades.

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What Not to Do

You may be considering supplying false information in the hope of saving a few bucks on car insurance. This approach, however, can result in even more trouble over time.

When you buy car insurance online, the car insurance provider is unable to verify your information or access your driving record.

You do have to sign a contract, though, and this agreement states that the information you supplied is correct.

As per the deal, if you try to misrepresent yourself to your car insurance company, you can be denied coverage if you’re caught.

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Always Be Insured

Also, never consider driving without insurance. Depending on your state, this can result in an arrest or even jail time. In many countries, driving without insurance is regarded as a misdemeanor.

Your car’s registration can get suspended, your license can be taken away, and you can lose driving privileges for up to one year.

The best way to save on insurance is to compare different car insurance quotes. Just because one insurance company offers you a reasonably low rate, you may still be able to find coverage for even less.

Also, if you let one car insurance company know that a competing company quoted you a lower price, they may lower the cost for you even more.

Enter your zip code below, and we will help you find affordable car insurance for FREE no matter what your driving history.