If you think that you fall under the category of bad drivers, you might be worried that it will be difficult to find an auto insurance company to provide coverage.
True it may be more challenging but there are insurance companies that cater specifically to this market.
There are several factors that a bad driver insurance company look into:
If you have a history of accidents where you are tagged to be the one at fault, then you might be on the path of getting bad driver auto insurance. Getting involved in an accident, even if you are not at fault, might result in higher premiums. Multiple accidents will really give you a hard time finding an insurance company to provide coverage.
Paying your bills on time actually will mean a good rate for your auto insurance premium. The insurance company may pull a credit check on you when you apply for car insurance. A good credit history indicates that you are more responsible and that this reflects your good driving habits.
The car insurance company also consider your personal background like your age, gender, where you live, and the kind of vehicle you are driving. Your driving mileage will also be looked into and the more you drive, the higher your premium will be.