Where is the best place to get insurance if you have a bad driving record. I am a male w/ at least 3 speeding tickets in the past 2 years and a careless driving charge.

I have also had insurance cancelled on me and have had one theft claim and one accident where I went off the road in the winter and did 9k in damage to my truck.

 

Best place? With your record, I'm afraid the best place would be anywhere you can get it.

 

hm...

I'm thinking a distant country...

 

I heard somewhere that people with bad records could get insurance coverage similar to that provided on a rental car deal.

Don't know for sure but it's something to look into - be lots of dollars though.

 

I'd goto a brokerage and get them to find you somewhere... make sure they try tho.. some will just call like 5 places and give up... I have a friend with a similar record and he ended up getting his insurance from some place in Nova Scotia or somethig liike that and it wasn't soo bad... just have to search around.

 

Would you mind asking your friend for that companies name when you get a chance. I am lookin for every possible lead.

Thanks

 

A brokerage that deals with Pilot...cheapest rate I could find.

 

I'm in a similar boat. I spent about 2 full days on the phone talking to brokers about rates, policies, etc. I managed to find one small broker here in St. Kitt's that has me on Echelon insurance.
I'd suggest just calling everybody in the phone book. Make sure you know your facts about your driving record tho. They will ask you for them on the spot, and if you're very wrong and they issue you insurance, they are allowed to cancel it.

 

Actually- it's rather pointless for them to be asking you your claim history anyways- the larger insurers are all connected via computer these days. I was jarred recently by how much they knew about my wife's claim history via their online system- not surprised- I knew this was going to happen eventually.

I think the point of asking you all these questions is to "trip you up" and put you in the weaker position if you forget a detail. I.e. "well sir, you had said you had one accident 3 years ago and we see you had 1 accident and a windshield claim"- i.e. you've "lied" or "mislead" us and therefore we have the upper hand. However, this usually doesn't happen until after you've signed the policy with the quote provided and then they jack the rate. Fact is- they could have given you a 100% accurate quote to start with- but this isn't part of their "sales plan".

And yes- I believe that most insurers are basically misrepresentational and unethical.

 

http://www.insurancehotline.com

 

Insurance hotline is worthless if the vehicle is older than 1988- their system can't quote on it. Also- it does not survey "all insurance companies" but only the insurers/brokers who have paid a fee to be listed.

I tried it three times over 2 years- always got quoted the same insurer with the same broker- and it was definetly not the "most economical" out there.

 

you didnt fight a careless charge? there so easy to fight, its a six pointer i got it knocked down to 2. i dont want to think what you have to pay, if im paying 3800 with my 2, soon to be 5000, stupid accidents!. how old are you by the way, i am 18, so i get the royal shaft when it comes to insurance

 

The careless was a plea bargain for a different charge. I am 27 now, I have been getting the shaft for years, well I was, now I have my vehicle in someone else's name and get insurance through them, but I am interested in purchasing a newer vehicle, and I will have to finance it so I will have to get insurance in my name.