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How do I lower the cost of my car insurance if I have a bad driving record?

I was kind of a reckless driver when I was younger, and I have a string of tickets and at-fault accidents on my record. Now I pay way too much for my insurance. How do I lower the cost of my car insurance considering my bad driving record?

Nick Kunze · Updated on Mar 17, 2023

Reviewed by Shannon Martin, Licensed Insurance Agent.

I’m sorry to hear that. When you have a bad driving record, one way to lower the cost of your car insurance is to ask your insurance provider about discounts.

Common discounts are available for:

Drivers who have multiple cars on one auto insurance policy

Drivers who bundle their home and auto insurance

Students who earn at least a B average

Members of certain professional organizations

Drivers who complete a defensive driving course

Here are some other tips for saving money on your car insurance:

Look into high-risk insurance companies. Some providers specialize in policies for high-risk drivers.

Rethink your current coverage. Depending on your vehicle, your personal circumstances, and your state’s insurance laws, you might be able to go without certain types of car insurance, like

comprehensive coverage

or

collision coverage

.

Comparison shop with

. When you sign up with Jerry, you can compare quotes from up to 50 of the nation’s top insurance companies to find an affordable policy that works best for you.

MORE:

14 safe driving tips

View full answer

WHY YOU CAN TRUST JERRY

Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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