In your pursuit of cheap auto insurance, it’s helpful to know what types of things car insurance companies are looking at. We can summarize it in a single word: risk. Insurance companies are looking for drivers who present the least amount of risk. They reward those drivers accordingly.
We say that to say this: if you have a history of multiple accidents and violations within the last three years, it is going to be very difficult for you to get cheap auto insurance coverage. If the violations on your record include serious things like DUI/DWI, the challenge for you will be even greater.
The single most important thing you can do to obtain and maintain cheap auto insurance is to drive safely and not violate the law. Drivers who follow these two simple rules present the lowest risk to car insurance companies. The insurance companies will gladly respond to that low risk with low rates.