Finding the best car insurance can be a daunting task, especially for drivers with a history of claims. While having multiple claims can lead to higher premiums, there are insurance companies that cater specifically to these drivers and offer competitive rates. In this article, we’ll explore the best car insurance options for drivers with a history of claims and tips to help you save.
1. Understand Your Claims History
Before shopping for car insurance, it is crucial to understand your claims history. Insurance companies assess risk based on your past driving behavior, and a history of claims may categorize you as high risk. Request a copy of your claims history from your current insurer to ensure accuracy and to better understand how it may impact your premiums.
2. Consider Companies Specializing in High-Risk Drivers
Some insurance companies specialize in providing coverage for high-risk drivers. These companies recognize that accidents and claims can happen to anyone and are more likely to offer reasonable rates despite a history of claims. Examples of such insurers include:
- Progressive: Known for its flexible options and competitive pricing, Progressive often provides coverage tailored for drivers with a few claims in their history.
- Geico: Offers various discounts such as defensive driving courses, which can benefit drivers with prior claims, helping reduce their overall premium.
- State Farm: Provides personalized coverage plans and may work with high-risk drivers to find affordable options.
3. Shop Around and Compare Quotes
Don't settle for the first quote you receive. Compare rates from multiple insurance providers, taking into consideration coverage limits, deductibles, and additional features. Websites like The Zebra and Compare.com can help streamline this process, allowing you to see various offers side by side.
4. Look for Discounts
Even drivers with a history of claims can qualify for discounts that can lower their premiums significantly. Common discounts include:
- Safe Driver Discounts: If you haven’t had any claims in the past few years, this could help mitigate your past incidents.
- Multi-Policy Discounts: Bundling your car insurance with other types of insurance, like home or life insurance, may earn you a discount.
- Defensive Driving Course Discounts: Completing a certified defensive driving course can demonstrate to insurers that you are committed to safe driving practices.
5. Increase Your Deductible
Increasing your deductible can lower your monthly premium. While this means you’ll pay more out-of-pocket if you have another claim, this strategy can be effective for managing costs, particularly if you maintain a safe driving record going forward.
6. Consider Usage-Based Insurance
For those willing to monitor their driving habits, usage-based insurance programs like Progressive’s Snapshot or Allstate’s Drivewise can offer significant savings. These programs track your driving behavior—such as speed, braking, and miles driven—and reward safe driving with lower premiums.
7. Maintain a Clean Driving Record Going Forward
Once you've secured coverage, focus on maintaining a clean driving record. Insurance companies often review your driving record every six months to a year, and demonstrating safe driving over time can lead to lower premiums in the future.
Conclusion
While a history of claims can complicate your search for car insurance, there are viable options available. By understanding your claims history, shopping around, and seeking discounts, drivers with a claims history can find affordable and reliable car insurance. Always remember to review your policy regularly and make adjustments as your driving habits change.
