Getting Auto Insurance with Bad Driving Record - How to Save 25% Or More With These Tips

APOLLO BEACH, Fla. - Oct. 27, 2016 - PRLog -- Bad driving car insurance is a handy option for bad drivers to get insurance coverage

High premium amounts and difficulty in getting auto insurance with bad driving record are often used as a stick for bad drivers. The carrot for bad drivers these days is your payment capability that can determine your car insurance cost.

This raises hope for bad drivers to seek the coverage they require. Specialized auto insurance companies for bad drivers are experts in this arena and can help you find the right coverage, whether full- or short-term. They may also guide you about the pros and cons of getting car insurance without a license.

The standard practice across the US is to determine bad driving car insurance costs based on your history. The premium amount is also a factor of the age of the driver as it helps insurers assess the risk. States like California have strong consumer protection laws that govern the insurance rates.

A recent analysis, however, has discovered that bad drivers with better incomes fare better than low-income drivers with clean driving records, when it comes to premium amount for car insurance. The research has been conducted by Consumer Federation of America and it further reveals that bad driving car insurance market favors bad drivers with higher paying capacity. About 53% drivers with clean driving record, but low income, were charged higher than the drivers who have higher paying capacity but were involved in accidents causing injury to others.

The analysis also reports that in 70% cases bad drivers with higher income were quoted lower rates for basic coverage than good drivers with moderate incomes. According to the report, State Farm rewards a good driver with lower premium quotes, regardless of his income level. Whereas, NoDipositCarInsuranceQuote help drivers in getting auto insurance with bad driving record (http://www.nodepositcarinsurancequote.com/where-can-i-get...) at lower prices than good drivers.

In terms of locations in the US, the report suggests that Los Angeles emerged as the only market where bad driving car insurance was pricier and good drivers paid less consistently.

The report is being debated on by experts and insurers alike. J Robert Hunter of Insurance for Consumer Federation opposes the use of factors unrelated to driving in determining insurance costs. While David Snyder of Property Casualty Insurers Association of America counters saying insurers do not base insurance cost on an individual's income.

But, it is now established that getting auto insurance with bad driving record is no longer impossible.