Drivers should Compare convicted driver insurance from a well-known platform because being a convicted driver can make it challenging to find affordable and comprehensive insurance coverage. The consequences of a criminal conviction can significantly impact your ability to secure reasonable rates on auto insurance. In this blog, we will delve into the world of convicted driver insurance, and we’ll also explore the importance of insurance breakdown cover.
Understanding Compare Convicted Driver Insurance
Convicted driver insurance, as the name suggests, is tailored for individuals who have a criminal conviction related to driving offenses. This can include convictions for driving under the influence (DUI), reckless driving, speeding, or other serious traffic violations. Let’s explore the key features and considerations when comparing convicted driver insurance:
- Premium Costs
One of the most significant challenges convicted drivers face when they compare convicted driver insurance is high premium costs. Insurance providers consider convicted drivers as high-risk clients, and as a result, they charge higher premiums to offset the perceived risk. When comparing convicted driver insurance, it’s essential to obtain quotes from multiple insurance companies to find the most competitive rates. Additionally, some insurers specialize in providing coverage for high-risk drivers, so researching these companies can be beneficial.
- Coverage Options
Convicted driver insurance typically offers different coverage options, similar to standard auto insurance policies. These options may include liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage. It’s crucial to assess your specific needs and budget to determine which coverage options are necessary for you.
- SR-22 Insurance
In some cases, convicted drivers may be required to file an SR-22 form with their state’s Department of Motor Vehicles (DMV) as proof of financial responsibility. This form is often necessary for individuals convicted of DUI or other serious driving offenses. When comparing convicted driver insurance, ensure that the chosen insurer can provide the required SR-22 filing, as not all companies offer this service.
- Deductibles and Exclusions
Just like standard auto insurance, convicted driver insurance policies come with deductibles and exclusions, this is why it is essential to compare convicted drivers insurance policies. Deductibles are the amount you must pay out of pocket before the insurance coverage kicks in. Exclusions are specific situations or circumstances in which the insurance policy will not provide coverage. It’s crucial to read the policy documents carefully to understand the deductibles and exclusions associated with your convicted driver insurance.
Highlighting Insurance Breakdown Cover
Now that we have discussed the essentials of convicted driver insurance, let’s shift our focus to insurance breakdown cover. Breakdown cover is a type of insurance that provides assistance in the event of your vehicle breaking down. This service can be invaluable, whether you’re a convicted driver or not.
- Understanding Breakdown Cover
Insurance breakdown cover, also known as roadside assistance or breakdown insurance, is designed to provide you with help when your vehicle experiences mechanical failures or becomes immobile due to various reasons. The most common issues covered include engine breakdowns, flat tires, dead batteries, and even running out of fuel. When you’re stranded on the side of the road, having breakdown cover can save you time, money, and stress.
- Significance of Breakdown Cover
Here are some key benefits of having insurance breakdown cover:
- 24/7 Assistance:
Breakdown cover typically offers 24/7 assistance, meaning you can call for help anytime, day or night.
- Towing Service:
If your vehicle cannot be repaired at the scene, breakdown cover often includes towing to a nearby garage.
- On-the-Spot Repairs:
Minor issues can often be fixed on the spot, allowing you to continue your journey without delay.
- Alternate Transportation:
Some policies offer alternative transportation options such as rental cars or accommodations if your vehicle cannot be fixed promptly.
- Peace of Mind:
Knowing that help is just a phone call away can provide peace of mind, especially during long trips or in adverse weather conditions.
Is Insurance Breakdown Cover Necessary for Convicted Drivers?
While insurance breakdown cover is not directly related to your driving record or criminal convictions, it can be a valuable addition to your insurance portfolio as a convicted driver. Here’s why:
- Avoiding Additional Stress:
Being a convicted driver often means you are already dealing with various challenges, including higher insurance premiums and potential legal consequences. Breakdown cover can help you avoid additional stress when your vehicle unexpectedly breaks down.
- Ensuring Safety:
In case of a breakdown, having access to roadside assistance ensures your safety and the safety of passengers or family members traveling with you.
- Cost-Efficiency:
Breakdown cover can be cost-effective, especially when compared to the expenses associated with emergency repairs or towing services without coverage.
Compare Convicted Driver Insurance Quotes With Us
It shouldn’t come as much of a surprise to learn that drivers with convictions for these violations statistically exhibit a higher likelihood of being involved in an accident at some point, given that law about speed limits, driving while intoxicated or distracted, and engaging in hazardous driving behaviors have all been implemented to reduce road traffic accidents. Furthermore, many of these accidents fall under the category of at-fault situations, which results in insurance claims.
As opposed to a situation where you have both a driving conviction and an insurance claim, having a clean claims history on your personal auto insurance should ideally have a positive effect, making your convicted driver insurance more affordable. However, it’s important to keep in mind that the higher likelihood of claims among convicted drivers can still push up the overall cost of your convicted driver insurance.
Why Choose MoneyMegaMarket For Convicted Drivers’ Insurance Quotes?
At MoneyMegaMarket, we are aware that a driving conviction does not define you. We believe everyone has the right to purchase adequate and reasonable insurance coverage, regardless of their past. Our website is made to strengthen people looking for convicted drivers’ insurance quotes by making the insurance comparison procedure easy, quick, and effective.
Transparency, simplicity, and choice are values that we uphold. We provide you with a selection of options from trustworthy insurance companies, MoneyMegaMarket streamlines the process of obtaining convicted drivers’ insurance quotes. Just plain information about coverage, fees, and terms—no more ambiguity or complicated terminology. Allow MoneyMegaMarket to be your partner in obtaining the appropriate insurance protection.
