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The cheapest car insurance for drivers with bad records will depend on exactly what sorts of people violations they've already now been convicted of accidents they've been around in. Across the different "bad driver" profiles we surveyed, we found that moving with the cheapest car insurance carrier will stand for a cost savings of up to 40% when compared with average. To get affordable car insurance coverage prices, people who have a driving record may have to spend more time and effort searching for auto insurance.