In life, there is virtually no one that’s lived a completely perfect life. This means that mistakes happen, as well as accidents. When it comes to getting car insurance, there may come a time where you have to find new car insurance that will still be affordable — even after you’ve had a few accidents. Contrary to popular belief, you may not always fall into a high risk category — there are a few ways around the classic “high risk” problem, now that the Internet has made it easier to search for car insurance quotes. Instead of dealing with insurance salesmen that might look negatively on your driving history, you can actually go online and have companies competing for your business. When compared side by side, it’s clear which one is the winner in this war for customers: the Internet insurance world, of course!
When you sit down to search for cheap car insurance online, you will want to be as honest about your driving history as possible. If your accidents have involved driving under the influence, you may want to submit proof that you’ve taken classes on defensive drinking and safety. This can lower your risk in the eyes of the insurance company, thus lowering your insurance premiums as a whole. From the insurance company’s perspective, every accident increases your risk of getting into another accident. However, if you can prove to the insurance company that you really aren’t as risky as you seem on paper, they can lower your rate.
Even though you are looking online, don’t be afraid to call the various customer service departments and get straight answers on any questions that you might have. You may do a custom insurance quote, only to find that you got back a quote that was far higher than what your budget can cover. Instead of giving up, give the company a call and actually talk with a representative. If you can fax over proof that you aren’t as risky as you were in the past, you may be able to get a manual review of your policy and even be offered a cheaper rate. Nothing is guaranteed, but you won’t know what your options are unless you actually pursue them.
Overall, getting car insurance on the cheap after a few accidents is definitely possible — you just have to get a little creative, but the tips in this guide will show you how to get things done!