Getting Car Insurance When You Have a Drug Driving Conviction

You often read about drink driving and its consequences in the media. Something that’s less publicized but just as serious is drug driving.

Many people falsely assume that drug driving only refers to driving under the influence of illegal drugs but this is not the case. You can get a conviction for drug driving if you’re on prescribed drugs if it’s judged that you’re unfit to drive because of it.

If you have a recent drug driving conviction then you might wonder how it will affect your ability to get car insurance in the future. Below is a guide to help you out.

Where to find cover

If you’re looking for drug driving car insurance then it’s a good idea to get cover from a specialist provider. Specialist providers are experienced with providing policies to drivers who have convictions and so will be able to assess your individual circumstances and provide a policy at a fair price.

There are many sites you can use to get quotes for drug driving insurance. It’s always a good idea to get as many quotes as you can since this will enable you to easily compare them and choose the one that offers the best value.

Ways to save money

Getting quotes from many providers is one of the best ways to save money on drug driving insurance but it’s not the only way you can keep costs down. Below are some other great ways to save money.

  • Limit cover options – Getting a basic policy that doesn’t include too many cover options is a good way you can save money on car insurance when you have a drug conviction. A third party only policy will provide you with enough cover to drive your vehicle legally.
  • Make your vehicle secure – Any measures you can take to make your vehicle more secure will also help to keep costs down.
  • Use a dash cam – Not all insurance providers offer discounts if you use a dash cam but some do since it can clear up who’s to blame for an accident.
  • Increase excess – Another somewhat risky way you can lower the cost of car insurance is by increasing the excess on the policy. The reason this is risky is because you would have to pay quite a bit more if you made a claim, depending on how much you increased it to.
  • Pay upfront – Paying annually instead of monthly will allow you to make a good saving with a lot of insurance providers too.