Best Insurance for Bad Driving Record in 2023

What is Bad Driving Record?

Having a bad driving record can be discouraging and frustrating, especially if you are looking for auto insurance. A bad driving record is defined as a record of driving infractions that have been reported to the state. This includes speeding tickets, DUIs, reckless driving, and any other violations that could lead to a license suspension or revocation. It can also include accidents where you were at fault.

What Type of Insurance is Available for Bad Drivers?

The good news is that there are options available for those with a bad driving record. The most common type of insurance for bad drivers is an SR-22. An SR-22 is a document that an insurance company files with the state to prove that you have the required liability insurance for your vehicle. An SR-22 is usually required if you have had your license suspended or revoked due to a driving infraction.

What are Other Options for Bad Drivers?

In addition to an SR-22, there are other types of insurance that bad drivers can look into. These include non-standard insurance, high-risk insurance, and pay-as-you-drive insurance. Non-standard insurance is available to drivers who don't meet the standards of traditional auto insurance companies. High-risk insurance is for drivers who have multiple violations or accidents on their record. Pay-as-you-drive insurance is based on how much you drive and can be beneficial for those with a bad driving record.

Tips for Finding the Best Insurance for Bad Drivers

When looking for the best insurance for bad drivers, it's important to shop around and compare rates. You should also consider getting multiple quotes from different companies. Additionally, you may want to look into discounts or special programs that may be available to you. Some companies offer discounts for drivers who take defensive driving courses or have a safe driving record.

Conclusion

Having a bad driving record can be difficult, but there are options for those with a poor driving record. An SR-22 is the most common type of insurance for bad drivers, but there are other options available as well. It's important to shop around and compare rates to find the best insurance for bad drivers. Additionally, you may be eligible for discounts or special programs that can make your insurance more affordable.