Bad Driving Record? Two Tips to Help You Get Affordable Car Insurance

If you have a less than perfect driving record, you may think that you're doomed to always pay astronomical rates for car insurance. However, although your driving history does play a role in determining the cost of your vehicle insurance protection, there are other factors that are weighted as well. Making changes to some of the other components of the car-insurance equation may be the key to helping you lower your insurance rates. Use this information to learn two things you can do to get a more affordable automobile-insurance premium.

Consider Making a Move

One of the first things you should do when you realize that your car insurance is a bit too pricey is to consider moving. Many insurance companies carefully weigh your location when they are computing your insurance rate.

For example, you may currently reside in an area that is notorious for vehicle vandalism or car break-ins. Since there is a higher probability that the same thing will happen to your car, you may be paying more for insurance than you have to.  

Also, moving closer to your job could also be quite helpful. When you have a long commute, it means that you'll be spending more time on the road. The more miles you have to cover to get to your destination, the greater the opportunity for you to get into a collision.

You can use a website such as this one to research the average car-insurance rates by zip code. If you find a rate that works for you, make the move.  Be sure to update your location information with the insurance company and let them know whether you now live closer to your job.

Complete a Defensive-Driving Course

Becoming a better driver means that you lower your chances of getting into an accident. That's why a number of car-insurance companies are willing to give a discount to policyholders who enroll in and complete a defensive-driving course.

Defensive-driving courses are designed to teach you techniques that help you become a more skilled motorist. You'll be taught how to drive in such a way that you are allowed to anticipate some of the moves of other drivers so you can avoid hitting them. The courses are offered in both a brick-and-mortar and virtual format, so you should be able to find a class that fits into your schedule.

Getting a more affordable insurance rate doesn't have to be difficult if you know what to do. Start using these tips right away so you can enjoy a wallet-friendly insurance rate. Visit sites such as to talk to insurance companies in your area.