It is human nature to make mistakes, but recovering from these mistakes can be a difficult and troublesome road. The added pressure applied by lawyers and the courts can make things even more hectic. This article will help you find a more affordable insurance plan for anyone with a DUI, SR-22, a large number of tickets, a large number of accidents, a suspended license, or an expired license.

First, we need to distinguish the difference between the different types of insurance agents and why drivers with bad records should choose one over the other. A captive agent is attached to an insurance company and sells policies specifically for that corporation. An independent agent, on the other hand, works with numerous insurance companies and can offer a variety of competing policies at low prices. The client can then decide for himself the rate and guidelines. Too often, drivers with poor driving records stay with their current insurer and don’t reduce their monthly insurance payments by not consulting with an independent agent.

The following steps will help you find a cheap and affordable policy that you won’t regret months after you buy it. First check your current policy and determine what type of coverage you have. Most likely, you have chosen full coverage or liability for some reason. Maybe your car is worth little or you can’t afford comprehensive coverage. Take a look at your current situation and make a decision about what you think is best for you and your vehicle. Are you with a major insurance company or brokerage? If your current insurance plan is with a major insurance company, it would be a good idea to talk to a brokerage or independent agent who can find you a better policy (especially if you have a bad driving record). Second, contact an independent agent to present your current policy; Also, ask for a comparison policy similar to the one you have (unless you want to increase or decrease your auto coverage based on your needs). This will help reduce unnecessary costs and, more importantly, the certainty of the coverage you wanted in the event you were in an accident.

There are so many different companies, policies, and factors involved that finding quality, affordable auto insurance coverage could be a timely inconvenience. Computer generated software allows independent agents to scan their databases. For this reason, they can tailor a specific policy to your needs in the form of minutes. Research review sites like Yelp or Google+ to determine the right agency for you.