Having car insurance is a must for all drivers, but it can be especially challenging to find the right insurance when it’s hard to get. If you’re a driver who’s been turned down for car insurance because of poor credit, a DUI or other issues, you may be under the impression that you’re out of luck. But that’s not always the case. Here are some tips on how to find car insurance when it’s hard to get.
Check Out Non-Standard Auto Insurance Companies
Non-standard auto insurance companies are those that specialize in high-risk drivers. They are more willing to work with drivers who have been turned down by traditional insurance companies. Non-standard auto insurance companies may offer more flexible payment plans, lower premiums and better coverage. In some cases, they may even be willing to overlook your past driving record or credit score.
Shop Around for the Best Rates
Just because you’re a high-risk driver doesn’t mean you have to settle for the first insurance policy you find. Make sure to shop around and compare rates from different companies. Make sure to ask about any discounts that may be available to you. Also, be sure to ask about any additional fees or charges that may be added to your policy.
Get a High-Risk Driver Discount
If you’ve been turned down for car insurance due to a DUI or other major offense, you may be eligible for a high-risk driver discount. Many insurance companies offer discounts to drivers who have been convicted of a major offense or have had their license suspended. Be sure to ask your insurance company if they offer such a discount.
Look Into Defensive Driving Courses
Defensive driving courses can help you reduce your insurance premiums and improve your driving record. These courses are usually offered by insurance companies and teach drivers how to be more aware of their surroundings and how to drive safely. Completing a defensive driving course can help you get lower rates and better coverage.
Consider Increasing Your Deductible
If you’re having trouble finding car insurance, you may want to consider increasing your deductible. Increasing your deductible can lower your premiums and make it easier for you to find coverage. Just make sure you can afford to pay the higher deductible if you have an accident.
Look Into Low-Mileage Discounts
If you don’t drive your car very often, you may be eligible for low-mileage discounts. Many insurance companies offer discounts to drivers who drive fewer than a certain number of miles per year. If you qualify, you could save a significant amount on your car insurance.
Ask About Other Discounts
Finally, be sure to ask your insurance company about any other discounts you may be eligible for. Some insurance companies offer discounts to drivers who have multiple cars, have taken a defensive driving course or have a good driving record. You may be surprised to find out how much you can save.