Convicted Drivers Insurance
Convicted drivers know that it can be difficult as well as expensive to find car insurance. If you have been convicted of a driving offence, speeding, running a red light or a minor traffic violation, you may have lost some points and may also be on probation. Another driving infraction will only make it worse. Drivers who have been charged with drunk driving convictions or found at fault in a major accident cause greater concern and may have an even greater impact on your insurance rates as well as your ability to find insurance. We cannot help you with your driving habits other than to encourage you to drive more carefully. We can assist you in finding competitively priced insurance even for drivers with driving convictions. Insurance rates for drivers with convictions will generally be higher than perhaps what you are sued to, however the important thing is to be insured if you are going to be driving your vehicle.
Why not contact one of the companies that offer convicted drivers insurance and discuss your situation with them, your convictions, the circumstances of the convictions, the type of car you drive, when and were you drive it generally etc. They are trained to deal with all types of situations and will be able to not only guide you with respect to what type of insurance to purchase, they will also work with the insurance companies to find you a competitive deal for your car insurance coverage.
Since you are considered a high risk as far as the insurance companies are concern, you will want to give some consideration to the type of insurance cover you purchase. If you are driving a brand new car, then it probably makes sense to purchase full coverage. Fire and theft, liability and full comprehensive coverage to cover you and your car as well as damage to other persons property should you have an accident. Since you have a conviction and of course depending on the seriousness of the conviction, your car insurance will be more expensive that you may be used to. This additional cost becomes a trade off between what you may lose if you have an accident vs. the additional cost of the insurance.If your car is older and perhaps not worth that much, then you may want to consider that liability insurance is the only thing you really need given the cost of the insurance. If you lose the car to a fire or it is stolen or it is damaged in accident, you of course will not be reimbursed for the loss of your car, however the savings in insurance costs may be worth it. Whatever you decide, ensure that you discuss all of these details and alternatives with an insurance agent to make sure you are adequately covered when driving your vehicle.