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Car Insurance For Bad Drivers

Feb 7, 2008
Maybe this is your third speeding ticket this month, and your driver's license is about two points away from being revoked or you have been in your fifth accident in five years (only two of those were actually judged to be your fault). Whatever your driving history is, you may need to evaluate your car insurance again, and find out whether or not there are other options for you.

The problem with being a bad driver (or just an unlucky driver) is that if you lose your driver's license, your car insurance company is probably going to drop your coverage. If you get dropped, and then get your license back after a while, you are going to find out that it is difficult to find cheap car insurance. You can get as many car insurance quotes as you want; you are going to end up paying a lot of money for insurance.

So how do you find a good car insurance if you aren't too reliable of a driver? The best bet is to talk to several agents in person, and see what they can do for you. Sometimes, you may be able to take defensive driving courses or even the entire driver's education course again in order to get a discount or reduce the number of points on your license. Any little bit helps, and you may find out that the money that you save monthly by taking a weekend course on driving from your car insurance company is going to save you money in just a couple of months (and maybe even make you a better driver).

No one wants to admit that they are a bad driver, or that they were at fault, but the key to getting cheap car insurance is to sometimes admit that you are not the world's best driver. A lot of times, you can plead "guilty" to an offense and get reduced fines and penalties rather than pleading "innocent", going through the whole legal procedures and then getting the full fines.

When filling out the paperwork to get a cheap car insurance quote, make sure that you tell the truth. Before the policy is issued, they are going to take a look at your driving record, and lying about how many accidents you have been in is going to just cause you trouble with the car insurance company.

The final tip to finding the best car insurance if you are a not-so-great driver is to get quotes from all sorts of car insurance agencies. You may think that you are stuck with car insurance from those who deal with high-risk drivers, but you may just be able to get a normal company to cover you. If you can get regular car insurance, you may be limited in options initially, but after awhile you should be able to find a cheap car insurance option.

Car insurance is one of those evils that we have to buy. Those who can't get any car insurance at all are either a menace on the road or doomed to taking the bus. Driving safely and keeping your eyes on the road will eventually pay off by having cheaper car insurance.
About the Author
Quoteme.ie provides the cheap car insurance quotes from top-notch insurance companies in Ireland! Find out how much you can save on your car insurance by visiting www.quoteme.ie
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