3 Tips To Get Car Insurance With A Bad Record

Do you have a poor driving record? Perhaps you have a DUI, multiple accidents, or a series of traffic violations on your record. If so, you may find it difficult to obtain car insurance, especially at an affordable rate. If you can't find insurance, you may be unable to drive, limiting your ability to get to work, school, and other important tasks. The good news is you have options available. Below are a few tips to help you get car insurance so you can get back behind the wheel:

Look for SR-22 coverage

SR-22 is a form you may be required to file in your state. It certifies that you have insurance that meets the minimum legal standard. Depending on your record, you may be required by the court to submit an SR-22 before you get behind the wheel. There are insurance companies that sell policies specifically to meet SR-22 standards. Often these policies have the bare minimum coverage. They usually don't offer collision coverage on your vehicle. Rather they cover only the minimum liability required for you to legally drive. You can find SR-22 insurance policies by talking to your local insurance agent.

Show that you're a safe driver

You can also take steps to show insurance companies that you are a safe driver. One is to take a defensive driving course. Most driving schools offer these for individuals who need to restore their driving records. You may have some points eliminated from your record after the course. Also, insurance companies could give you a discount if you successfully complete a course. Some insurers also offer telematic devices that track your driving in your car. They record your speed, stopping, mileage, and other important data. As the device records data that shows you're a safe driver, you may see your insurance premiums go down. 

Get a non-owner policy

Some companies, especially those that offer SR-22 policies, will allow non-owners to buy coverage. This is helpful if you don't own your own car but are driving someone else's, like a parent or a spouse. The coverage may be more affordable and easier to get since you don't own the car and won't drive it always. The insurer may ask how often you drive the car or how many miles you drive per week to gauge your risk and premium. 

Ready to get back on the road? Talk to your insurance agent today about SR-22 insurance and other options to keep you protected.