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

Full Bio →

Written by

Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around auto insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

Full Bio →

Reviewed by Natasha McLachlan
Content Writer

UPDATED: Oct 1, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Getting an affordable car insurance with a bad driving record is not as difficult as you might think. This is because there are many reasons why people have driving records that are less than perfect and how they affect your insurance rates depends on many factors.

However, there are at least five proven ways to find cheaper insurance for your vehicle even if you have a bad driving record.

Improve Driving Skills:

Tips to Obatin Cheap Car Insurance with Bad Driving Record

You can improve your driving skills by taking an approved driving course. Your insurance company should recognize at least one or more driving safety courses that you can take which will have a positive effect on your premiums. For the most part, driving skill courses take a few hours and may require you to take an online test as well as complete a course while driving your vehicle.

The result is that you may save from 5% up to 15% off your insurance premiums. Getting rid of the bad driving habits should help your overall performance as well.

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption

Raise Deductible:

One of the simplest ways to lower the amount you pay every month is to increase your deductible. For example, going from a $200 to a $500 deductible may save you up to 10% on your auto insurance depending on few other factors. Of course, you’ll need to have that deductible saved up so that if you need it for repairs it is there.

Find New Discounts:

Most insurance companies have all types of discounts, some of which you may have never heard about before. The first step is to check with your insurance agent to cover all the discounts that may apply. For example, you may find that your insurance company offers a discount for driving under a limit of miles per week or if you are only driving during certain times of the year. Every discount that applies you should take to lower your premiums.

Drive Older Vehicle:

If you are driving a vehicle that is considered expensive or statistically more likely to be involved in accidents, then switching to an older, safer car will drop your rates noticeably. This is because insurance company’s set their rates according to statistics. So if you purchase a vehicle that is far less likely to be involved in an accident and is less expensive to cover repairs, you may see a substantial drop in the rates you pay.

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption

Build Up Credit:

Your credit rating plays a major role in how your premiums are set. This is because if you have a good credit score, you may be able to lower or even eliminate the deposit required on auto insurance if you pay by the month. Plus, people with good credit ratings are less likely to be involved in accidents. This means that you may pay a lower rate as a result despite your driving record.

In the end, getting a cheap car insurance for drivers with a bad driving record is not only possible, it is also likely that you can find a very affordable rate depending on how you shop for the insurance.