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How to Find Car Insurance For Convicted Drivers

How to Find Car Insurance For Convicted Drivers

If you have been convicted of a major moving violation or something worse, such as a DUI or reckless driving, you may find that your car insurance either becomes incredibly expensive, or that your insurance company drops you altogether. Car insurance for convicted drivers can be hard to come by.  Worse, if you were uninsured at the time of the incident, it makes your record look even more unappealing to an insurance company.  You will probably require what is known as an SR-22 be sent to the DMV by your insurance company to prove that you are carrying insurance if you were caught without it or had certain types of violations.  This means you will need to find a company that does provide car insurance for convicted drivers as quickly as you possibly can.

Not every insurance company works to provide car insurance for convicted drivers; some steer clear of the issue altogether, or hike the rates up so high that you can’t afford the policy they are offering you.  In many cases, people with a conviction wind up carrying the lowest level of coverage because it is all that they can afford, just to stay legal on the road.  This can lead to even more trouble in case of another accident and you find out you just don’t have enough coverage.

Car insurance for convicted drivers that is both affordable and also good coverage is available, but it takes some time and effort to locate it.  There are companies that specialize in this type of policy, and have the experience to walk you through the process and get you covered quickly and without a huge expense.  The first place to start your search is with anyone you know who has been through a similar situation.  They might be able to point you in the direction of an agent or insurance company that specializes in taking care of car insurance for convicted drivers.  If you don’t know anyone who has been in your shoes, try calling the local insurance bureau and asking if they have a list of companies that work with drivers with poor records.

Saving money on car insurance for convicted drivers is difficult, but there are are ways to lower your rates and keep them more reasonable.  One of the best ways to save money with any car insurance company is to find out if they also sell home or life insurance.  Purchasing another insurance policy from the same company can help you to lower the rates on your car insurance, even if you have a conviction on your record.  Even if you don’t own a home, consider a renters policy or life insurance policy that could be very affordable and save you a good deal of money.

Car insurance for convicted drivers is expensive, there is no way around that.  Unfortunately, once you have a conviction on your record the insurance industry will see you as a high risk and want to protect themselves by charging you more for a policy.  The best thing you can do is to get the most affordable policy you can, and wait it out.

Photo courtesy of The Infamous Gdub.

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