I was caught driving without auto insurance (and other smaller
offenses) in 2010. I am now planning on buying a new car and
getting insurance again, but I am scared because of my past history
that my auto insurance premium will be high. What can I do to
get decent rates?
multiple moving violations
driving without insurance
will affect your rates for a while; there is no getting around
that. It doesn't help that you've had a lapse in auto insurance
This doesn't mean there isn't any hope in getting affordable
auto insurance; just that you won't be getting the cheapest or best
auto insurance rates right now.
Even with those strikes against you, some car insurance
companies will charge you less than others will. The main thing you
need to do is
with several car insurance companies, finding the one that is
giving the best rates for someone with your risk factors.
The best way to save on car insurance
Your rates will be expensive at first but should fall as you
establish a clean driving history and a track record with the
For example, when getting a policy after a gap of a few years,
don't be surprised if you are required to pay in full at first.
This requirement should go away with subsequent renewals of your
car insurance policy.
It's also important to keep a clean record from here on out. An
insurance company will look back anywhere from three to seven
years. Once the driving without insurance offense and other traffic
offenses fall off your driving record, your premiums should drop
lower as well.
Getting insurance on a new car may be pricey, since you will
need not only liability coverage but also collision and
comprehensive coverage. (See "How to insure a new car")
However, many car insurance companies offer discounts for insuring
a new cars and items associated with newer vehicles, such as
airbags and other safety features and anti-theft devices.
Review our guide to car insurance discounts to look for other
discounts that you may be eligible for, and can ask insurers about,
to lower your car insurance rates with certain carriers.
If your state is requiring you to file an SR-22 (due to your
driving without insurance conviction), then this may limit your
choices in car insurance companies because not all insurers will
file this form for you. This means it's even more important to shop
around for the company that will give you the best car insurance
If you need an SR-22 with your policy, we can help you if you
contact our call center toll-free at 1-855-430-7658 to buy over the
phone. We work with Direct General, Esurance, Infinity, Progressive
and QBE to help fulfill drivers' SR-22 needs. (Not all insurance
companies do business in all states.)