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If you’re worried about car insurance because of a bad driving record, there may be some things you can do to save money. Here are some tips.
Consider raising your deductibles. While you work to improve your driving record, which takes time, you can ask for a higher deductible on your comprehensive and collision coverage to get a lower premium.
Do you really need all of those features? The more features your policy has the more it will probably cost. Right now’s a good time to consider getting rid of rental car reimbursement and towing coverage.
Consider a less expensive car. If you drive a less expensive car, you may want to carry only collision coverage and not comprehensive coverage to lower your insurance costs.
Improve your credit score. Believe it or not, insurance companies often use credit scores to help determine risk. The higher the risk you are to them, the more they will charge. One way to help lower your risk is to improve your credit score.
Comparison shop. You’d be surprised at how car insurance costs can vary between companies. Do some comparison shopping by getting at least three different quotes. Make sure you are comparing the same coverages and features between quotes or your comparison won’t be accurate. Be truthful about your driving record. Car insurance companies spend a lot of effort to combat insurance fraud and can find out if you’ve lied. This will only make things harder for you because they will probably cancel your policy. What’s more, this may make it harder for you to get insurance from another company.
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Source: http://ezinearticles.com/?Car-Insurance-And-A-Bad-Driving-Record:-Can-You-Still-Save-Money?&id=300089
