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How to find Best Car Insurance for Bad Driving Record

How to find Best Car Insurance for Bad Driving Record

Approximately 41 million Americans receive speeding tickets each year. Most of these drivers will likely face higher insurance premiums in the coming days. Driving violations, moving violations, and accidents are often part of the considerations when insurance companies set premiums.

Your auto insurer may not have access to your complete vehicle report, but your recent ticket summaries are no hidden secret. Finding the best car insurance for bad driving record, you may end up paying more for a premium because of a speeding violation you committed five years ago.

If you are interested in paying less for your premiums, then you should focus on developing and maintaining a clean driving record. You may wonder, do people in the preferred risk category have better car insurance coverage and where they can find the best car insurance companies for bad driving record?

Well this is what you need to know about your driving history and how it affects your car insurance.

Your driving record is everything

You probably don’t know, but your driving history is the most important factor in calculating your premium. When speeding past other drivers, you should realize that any mistake on the road can be more costly than you probably imagine.

Your story is a priority for the insurer. You won’t get away with any highway traffic offense while you’re booked for it. The insurer will use this history as the basis for assigning you a risk category.

You need to have enough information about the link between your driving record and premiums. Falling into a particular risk category will often determine the amount of premium you must pay. You are likely to be in one of the following risk categories.

Preferred Risk

As a driver in this category, you can guarantee lower premiums. Most of the preferred risk drivers fall into the group of the safest drivers. If you fall into this category, you are less likely to have accidents regularly.

Most auto insurance companies only assign this category to drivers with several years of safe driving. If you haven’t used you at fault liability insurance in years, you fall into this group.

The preferred risk is the lowest premium. Your good driving record on the highways will therefore save you money. If your insurer runs a quick insurance check and finds a clean driving record, you likely have a lower insurance premium burden.

Standard risk driver

If you have had traffic violations or at-fault accidents in the last two years, then you fall into this category. Your insurer considers this record acceptable considering common road hazards. Most experienced drivers fall into this category.

You are likely to have average risks if you fall into this category. Your driving record is also likely to indicate 1 or 2 defects. However, the demerits can be too many, making you a standard risk driver.

The insurer, in such cases, may charge average premiums when it comes to standard-risk drivers.

High-risk drivers

This is where the rubber meets the road. If your insurer classifies you as a high-risk driver, it means that your driving behavior is likely to cause an accident. Your bad driving record on the highway can contribute significantly to this categorization.

Most high-risk drivers may have caused multiple at-fault accidents during the two years. You are also likely to fall into this category if you have committed numerous minor offenses. If you have a terrible driving record, you also likely fall into the category of high-risk drivers.

Your auto insurer may even choose not to underwrite your application if you fall into the category of high-risk drivers.

What does an auto insurer use to classify drivers?

If you want to keep a clean driving record, there are things to consider. Your auto insurer will likely use specific screening protocols and procedures beforehand. This then guides your decision making on the level of risk each driver bears.

The following are some things to keep in mind as a driver.


Auto insurance companies often use fines to judge the caliber of your driving. You will likely end up in the high-risk driver category if you have multiple tickets. You’re in trouble if the past three years reflect a dangerous trend of poor driving records.

Exceeding the speed limits is one of the main culprits in most of these cases. Your auto insurer is very interested in your most recent history to identify specific trends that can lead to high risks.

At-fault accidents can affect your driving record

Have you caused an accident in recent years? The severity of that accident may be the reason why you may pay a higher premium for years to come. The presumption is that if you have been guilty in the past, there is a high risk of a recurrence in the future.

Fault accidents are a measure of the caliber of the driver you are. Your records from the past six years are often used in determining your level of risk. Six years is indeed a long period when used as a measure of your driving history.

However, your auto insurer is keen to conduct due diligence to avoid hiring high-risk drivers. Six years is therefore an appropriate time to assess a driver’s underlying risks.

Star rating

Auto insurance companies use different measures to determine the star rating. You will likely end up in a specific class of drivers, depending on your star rating. The star rating takes into account several factors.

These determinants include the number of tickets you have had in the last three years, the number of at-fault accidents, and your total demerits.

Your good driving record ensures your safety and saves you money

You no longer have to pay exorbitant fees for your insurance premium. With a good driving record, you can save on your current insurance expenses. You just have to work with a genuine or reliable insurer, and you’re good to go.

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