If you own a damaged vehicle, or have recently purchased a previously damaged vehicle, then you know how difficult it can be to find car insurance for previously damaged vehicles. As if finding car insurance for damaged vehicles were not enough, finding cheap car insurance is almost impossible. Thankfully, there are ways to find car insurance for a damaged car. These three simple methods should help you track down affordable car insurance for a previously damaged car.
The first thing you need to do is make sure that your vehicle is fully repaired. This may seem obvious because you are probably not going to be able to drive around a broken vehicle, but you need to make sure your car is legally repaired so that it can be insured. To do this, you will likely have to acquire proof of repair. The best way to do this is normally through the local DMV. Often times, when a vehicle is badly damaged, there will be a notation on the title detailing the damage. This title notation will make finding car insurance difficult to impossible. If you bring your repaired vehicle to the DMV they can make a new notation on your title and it will be much easier to get cheap car insurance.
Next, you must try to find a car insurance company that will provide coverage to previously damaged vehicles. This is where things get a bit complicated. Some insurance companies will not provide any insurance to previously damaged vehicles. Forget about those companies. Other companies will not provide comprehensive auto insurance to previously damaged vehicles. This means that you will be able to get cheap coverage, minimal coverage, but you will not have access to the more high end comprehensive plans. Furthermore, companies that do provide comprehensive coverage to previously damaged vehicles will often charge significantly higher rates. Don't panic, there are still other options.
The best course of action may be to visit a licensed insurance broker. After you get your car repaired and certified by the DMV, a licensed insurance broker may be able to help you secure a decent quote for your damaged vehicle. Insurance brokers know the ins, outs, and loopholes of the industry, so they may be your best bet in this particular situation.
The sad truth is that with a previously damaged vehicle, you will not be able to do the type of comparison shopping that other drivers enjoy when they search for insurance. Your options are a bit limited. Still, if you follow the above steps and get a little lucky you may be able to secure a decent rate on your previously damaged vehicle.