If you have recently had a wreck, you may have been dropped by your insurance company. This can leave you feeling very vulnerable and looking at spending a ton of money on car insurance. The good news is that there are a few things you can do to find budget car insurance even with your driving record not being what it should be. Taking a safe driving course can help you to lower your rates. Many insurance companies also offer programs that you can enroll in through your insurance company to effectively lower your rates. Budget car insurance doesn’t have to mean bad coverage or scams and if you do your research you can find creative ways to lower your rates.