OnGuard Insurance provides low rates even for worse drivers. Whether you’ve had accidents, tickets, or a DUI, will help you get covered at a good low price. There are several different types of insurance for bad drivers that OnGuard offers, but their main focuses are: speeding tickets, DUI/DWI, and auto insurance claims. Here is some information on how On Guard can best help you protect your rights while driving.
Speeding tickets are the most common type of insurance for bad drivers because it’s pretty much known that people who speed are more prone to accidents. In fact, statistics show that drivers with two or more traffic tickets face a 50% higher risk of having an accident than those who don’t have any traffic tickets. OnGuard will check your driving record and find out what your past records indicate, and they’ll present you with the results.
The first thing that OnGuard does is check your driving record. So many insurance companies don’t bother checking your record when presenting you with a quote. This is a huge mistake. If you’re going to be approved for the lowest rates, you should be able to avoid any accident, no matter how minor it might seem. Speeding accidents are some of the leading causes of auto accidents, so it stands to reason that if you’ve been caught speeding a lot in the past, you’ll get a bad mark on your record. The worst part is that after you’ve had an accident, you’ll likely pay a much higher rate until the policy expires.
Drivers with multiple speeding tickets will also be offered lower rates than drivers with a clean driving record. However, if your at-fault accidents are deemed by the court to be your responsibility, OnGuard will still give you a break. If you have a clean record, your premium will increase slightly. If, however, you’re found to be at fault in one or more of your at-fault accidents, your premium will jump substantially.
So what’s the catch? Well, like most things in life, there’s always a catch. Most insurance companies refuse to insure young drivers with bad driving records. They don’t see enough of their risk to warrant insuring them. That’s especially true when it comes to teenagers, who statistically turn out to be much worse drivers than older, more experienced ones.
Luckily, OnGuard can provide you with some answers. By using its online application, you can request quotes from a number of different insurance providers. After you submit the forms, you’ll receive a handful of quotes back from different insurance providers. You can compare the quotes to see which one is going to be the cheapest car insurance for bad driving record, and most importantly, which one is going to be the most coverage at the best price.
So how does one find the cheapest rate? One way is by looking over your past driving history. Check with the Department of Motor Vehicles if you’ve previously been convicted of driving violations, like numerous speeding violations. Speeding violations, by law, must stay on your driving record for two years. If you’ve been convicted of speeding violations within three of those years, your insurance premiums are going to increase dramatically.
You may find that the least expensive insurance for a high-risk driver is simply a higher deductible. The lower your deductible, the less you’ll have to pay if you get into an accident. However, if you want to shop around for a low premium, you’ll need to check with each insurance provider. Different providers have different discounts for different policies.