AUTO INSURANCE FOR BAD DRIVING RECORD

Drivers with a bad driving record have their insurance challenges cut out for them, but that doesn’t mean you have to blindly accept any offer that comes your way. Not all accidents and moving violations are created equal and it’s important that you have an insurance partner who can help you understand your options and choose the provider that is right for you, your driving history, and your family. 

There’s no doubt that you will likely have more obstacles to overcome, but it is helpful to understand how insurance premiums are calculated so you better understand your options.  

Most insurance companies classify drivers as high risk or “bad” based on the following criteria:

• -Multiple at-fault accidents.
• -More than one moving violation in recent years.
• -Having one or more vehicle-related convictions, such as a DUI.

But remember that not all violations and collisions are created equal. Running a stop sign isn’t the same as exceeding the speed limit by 25+ miles per hour and collisions with high damage payouts or injuries aren’t the same as minor fender benders. Regardless, here is what you need to remember—A-MAX believes in providing everyone with fair, affordable options. That’s why we put the choosing power in your hands. 

If you find yourself in the “bad driver” category, you may have some work to do. Here are a few tips for keeping your insurance premiums down. 

Try to improve your credit score. Raising your credit score can impact your premiums. Take efforts to improve your credit rating and that could work in your favor when it comes to insurance options.  

Take a defensive driving course. Many insurance companies offer rewards for taking a defensive driving course by discounting your premiums. Most states have these readily available and can quickly be taken to help lower your rates. Plus, it can help show you’re ready to improve your driving record.

Check on low mileage options. If you aren’t planning to drive much or already have access to readily available public transportation, you may be able to achieve reduced rates with a low-mileage policy. Ask about limited mile coverage to see if you qualify.

Distance yourself from previous incidents. In many states, at-fault accidents will affect your insurance for three years and moving violations need time to expire. Be a careful driver as much as possible and take some time to build a better recent driving record.

A-MAX is dedicated to helping keep drivers protected at all times, regardless of their driving history. We want to make sure you are covered at all times. Whatever might lie in your past, we believe you deserve the option of quality insurance. Here are some things you should know about insuring with A-MAX.

We want you to have options and are dedicated to finding you the absolute best policy available. Everyone deserves to be covered—and we won’t settle for less!  

We want you to focus on staying safe without being concerned that your coverage has or will lapse without warning. That’s why you need excellent support and an insurance partner who works hard just for you. We will because it’s what we do best.

We focus on quality service. Our priority is getting you the support you need at all times and we will make sure that you are always covered with the support you can trust.

We want to empower you to make the choice. You want to be in charge of choosing your insurance and we don’t blame you. That’s why we’ll give you the options and you’ll select your preference. Choose from multiple providers and feel confident if your coverage and rates. 

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