Convicted Driver Insurance

If you have recently been on the receiving end of a driving conviction, chances are that it will have a negative impact on the car insurance prices you are offered. However, this doesn't mean that you should be forced off the road.

Get cheap car insurance for convicted drivers

The effects of the recession are taking their toll on the insurance market, with car insurance prices rising by up to 40% over the course of the past twelve months.

Anyone in search of car insurance for convicted drivers has the additional handicap of their penalty points on top of this, which increases the perceived likelihood of an accident occurring in the eyes of insurers. This results in higher premiums for such drivers, with the size of the handicap dependant on the severity of the offence.
However, there are still ways to lower you car insurance premiums and ensure that you are not forced off the road. One of the most effective is to opt for a car which is cheaper to insure. 

Choice of car

Each car is assigned to an insurance group numbered between one and fifty. This is decided upon based on a number of factors such as the overall value of the vehicle, the general cost of repairs, the security features it is equipped with and the car performance levels. To get a better understanding of this, feel free to take advantage of our car insurance groups page.

Put simply, cars in insurance group one are the cheapest to insure with vehicles in insurance group fifty the most expensive. If you are on the look out for cheap car insurance for convicted drivers, then you should opt for the car in the lowest insurance group possible in order to lower the price of your premiums.

Other money saving tips

However, if you are not planning on changing your existing vehicle, there are still a number of things you can do to lower the cost of insurance for convicted drivers.

One tip is to reduce your annual mileage. The more miles you travel over the course of your policy, the more likely it is that you will have an accident. By keeping the mileage limit you set on your policy as low as possible, you will ensure that you are not paying for miles that are not going to be used.

Another good way of reducing premiums is to consider safety and security. Parking in a locked garage at night reduces the statistical likelihood of your car being stolen or vandalised. Insurers recognise this in the shape of cheaper premiums, so make sure you take advantage of this if you can. Fitting approved alarms and/or immobilisers is another method which helps to reduce the statistical likelihood of a claim being made. However, remember not to lie when providing car insurance companies with this information as it could render your policy void.
Of course, one of the easiest ways of getting cheaper car insurance for convicted drivers is by shopping around and comparing prices with as many different insurance companies as possible. Moneysupermarket.com aims to compare deals available through some of the UK's leading car insurance companies to help find you the deal which best suits your needs or afflictions (i.e. driving convictions).