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How To Get Motorcycle Insurance With A Bad Driving Record

How To Get Motorcycle Insurance With A Bad Driving Record

Do you have a bad driving history and need to get insurance for your motorcycle? If so, you are not alone. There are many people just like you who have broken laws, gotten tickets, caused accidents, and in some cases committed worse offenses like driving while intoxicated. Regardless of the scenario that had a negative impact on your driving record, you still need to get insurance. This article will break down some common reasons why you may have a poor driving record and discuss how you can still obtain an insurance policy.

Have a Bad Driving Record or History? The Causes.

There are many factors that influence your driving record. Usually things like traffic violations, accidents, and not following proper state laws can affect your record. For example, you may have received a speeding ticket for going 100 mph in a 65 mph zone. In this case, you may get issued a ticket and get “points” added to your driving record. These “points” show up on your record and indicate that you have committed some type of offense. Below are a list of the things that can have a negative impact on your record.

  • “At-Fault” Accidents: Anytime you cause an accident or are considered “at-fault,” this will show up on your record. If you have been in multiple accidents for which you are “at-fault,” you will be viewed as a high risk driver by insurers.
  • Criminal Record: If you have committed criminal offenses in your past, this will show up on your legal record. If they are offenses that are related to driving a motor vehicle, this will reflect poorly on your driving record.
  • DUI’s / DWI’s: Driving under the influence (DUI) or while intoxicated (DWI) are serious offenses. These can result in license and registration suspensions, as well as jail time. These will negatively affect your record.
  • Insurance Lapses: If you have driven uninsured in the past or let your insurance lapse, this also is a bad look on your record.
  • Points: Once you have committed a certain number of offenses, the “points” on your driving record will accumulate to a significant number. The accumulation of points looks bad on your current record and you may face penalization.
  • Speeding Tickets: Have you been caught speeding in the past? You may have been issued a ticket. If your ticket was for speeding a significant amount over the speed limit, it will show up on your record.
  • Suspensions: If your driver’s license, title, registration, or plates have been suspended, this may also show up on your record.
  • Traffic Violations: Any other traffic violations that you have received in the past could potentially have an impact on your record.

How to Get Motorcycle Insurance with Bad Driving Record

It is more difficult to get motorcycle insurance with a poor record, but it isn’t impossible. If your record is really bad, you may get turned down by major providers. Even though you may get turned down by certain providers for coverage, not every company is going to turn you down. In the event that your record is so horrendous that you are turned down by every provider in your area, you can file a grievance with the state’s Department of Motor Vehicles. Some states have insurance alternatives that can be pursued such as: cash deposits, surety bonds, and self-insurance.

Step #1: Search for Providers

Despite the fact that you may have a bad driving record, you need to first search for coverage the same way someone with a good driving record would. Consider all major providers in your search; do some comparison shopping. To make your search easier, use one of the Zip Code box’s on this website. Simply enter your location and see which companies are the top rated insurers in your area.

Step #2: Compare Quotes

When you have determined the top rated providers in your area, you will need to collect quotes from each one. Take the time to determine which companies offer the best prices for their policy. Even though you may be quoted higher because you have a bad driving record, you should be able to still find a decent deal.

Step #3: Compare Coverage

Compare the amount of coverage that you will receive among various companies. Determine the company that offers the best protection for your motorcycle. Certain providers may offer more coverage for your dollar than others – so take your time and conduct a thorough comparison.

Step #4: Apply for Coverage

Take the time to apply for insurance coverage with the company that offers the most coverage for the lowest price. If you are turned down for a policy, make sure that you apply with some more companies. If you get turned down by all the companies, you may need to consider some alternative options. If you are accepted for coverage in spite of your record, you may need to file an SR22.

Step #5: File an SR22 Form

Most states will require you to file an SR22 if you have a bad driving record. This is a form that allows your state’s law enforcement and Department of Motor Vehicles to keep track of your liability insurance. When you commit an offense like driving while intoxicated, you will be required to fill out an SR22 form. This form will need to be filled out by your insurance provider and kept on file by the Dept. of Motor Vehicles in your state.

Step #6: Consider Insurance Alternatives

If you are turned down for coverage due to your bad driving record, you can consider various alternative options. In many states, you can either: obtain a bond, put forth a cash deposit with the state, and/or put up property. In the event that you have over 25 vehicles registered under your name, you can even self-insure. If you are not able to choose from these alternatives, you will need to contact the state.

Step #7: Assigned Risk Insurance Policy / Government Assistance

If you are unable to obtain liability insurance from major providers in your state, you will need to contact your Dept. of Motor Vehicles and tell them. You may need to provide documentation that you have been turned down. In certain states, you may be granted an “Assigned Risk” policy through the government. This is geared towards “high risk” drivers that have records which prevent them from obtaining liability coverage.

Improve Your Driving Record

Although you may be stuck in an unfavorable situation with a bad driving record, don’t let it be a total setback. There are always ways in which you can improve your record. Things that you can to do improve your record include: taking a safe driver’s course, avoiding traffic violations, and staying out of legal trouble. You will need to prove yourself for a period of time before your risk is lowered from “high” to “moderate.” As time passes and you continue to drive safely, your level of risk will be further reduced. With a reduced risk comes a lower-priced insurance policy as well as more providers to choose from for coverage.

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