Any conviction on your record is a serious problem if you’re shopping for insurance. It may be completely unrelated to driving at all, yet insurers still consider it a real problem. Criminally convicted drivers are more likely to be involved in an accident and make a claim, statistically speaking, so insurers don’t want to deal with that. Fortunately, all is not lost. Instead, there are still ways to get convicted driver insurance, and these tips can help.
Declare Your Convictions
One thing you should certainly do is declare your convictions if they are unspent. Convictions with a prison sentence of six months or less become spent after seven years. Those with sentences of six months to two and a half years don’t reach that point until they’re ten years old. Anything over two and a half years is never spent, so you’ll always have to disclose them.
Insurance rates are typically based on how much you drive. As a result, if you drive less, you can expect less expensive premiums. Make certain, though, that you accurately estimate how frequently you drive, as you could see a sharp rise in premiums if you drive quite a bit more than you’d initially estimated. You may even have your coverage canceled.
Drivers with convictions often have to prove that they’re good drivers to insurance companies before they see their rates go down, and one way to do just that is through telematics insurance. With this type of cover, …