How to Get Affordable Auto Insurance in Bellflower, CA (Even With a Bad Driving Record!)

Keeping your car insurance affordable can be challenging, especially if you have a less-than-perfect driving record. A few mistakes behind the wheel doesn’t mean you’re out of options. Our agents can help you find appropriate auto insurance at favorable rates.

How Does My Driving Record Affect My Auto Insurance Rates?

Insurance companies look at your driving history to predict the likelihood of future claims. You’re seen as a higher risk if your record includes speeding tickets, at-fault accidents or DUI convictions. The more recent and severe the violations, the greater the impact on your rate.

However, not all offenses are treated equally. A single speeding ticket may only raise your rate slightly, while multiple violations or a recent DUI could cause a more significant increase. Over time, the weight of these issues can lessen, typically after three to five years of clean driving.

How Can I Get Affordable Auto Insurance With a Bad Driving Record?

Lowering your auto insurance rate is possible. Your agent may recommend the following:

• Shop around and compare rates. Some providers are more willing to work with high-risk drivers. Consider smaller, regional insurers that may offer more competitive pricing in Bellflower.

• Look for discounts, such as those for completing a defensive driving course or bundling auto insurance with home or renters insurance.

• Raise your deductible to lower your monthly premium. Be sure it’s an amount you can afford in an emergency.
• Improve your credit score.

Auto Insurance Agents Near You

Contact Policy Pilot Insurance Services today to obtain affordable auto insurance. Our agents can help you get optimal coverage at favorable rates.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.