Online Car Insurance Quotes for High Risk Drivers

If your driving record far from being perfect, you may have to look for high risk car insurance. High risk policies are designed for drivers who are considered a higher risk to insure because of past traffic violations or accidents. Insurance providers may offer these drivers coverage at higher prices; some companies don’t sell the coverage at all.  Read more about car insurance quotes for high risk drivers and visit our website for free quotes on car insurance.

new1 - car-insurance-quotes-3Your driving record will determine if you need high risk car insurance. For example, if you’ve been convicted of driving under the influence of drugs or alcohol or have multiple speeding tickets, you may be placed in a high risk category, requiring special high risk auto insurance. Recent history is the most important factor. Accidents or tickets in the last 12 months will count more than an incident from five years ago.

High risk car insurance tends to be more expensive than standard coverage because of the added financial risk of insuring a high risk driver. But there are ways to save some money.  Shop around and compare quotes from several providers to find insurance that’s affordable and right for your needs.  There is a market for high risk drivers and those handling them are the non-standard carriers.   If you must keep an SR-22 document in your vehicle as proof of insurance, find out what the minimum auto insurance coverage is in your state. Your Bureau of Motor Vehicles can help you. Many states set a minimum of liability insurance for SR-22.

Additionally, consider the following:

  • Take a defensive driving course. Check with an agent for approved courses.
  • Trade in your car for a model with a better safety record or safety features.
  • Follow all traffic laws. Going three years without a ticket may result in a decrease in your premium.
  • Drive defensively. Significant discounts are available if you can avoid an accident for three years.

Check our webpage for more info and free quotes.  Visit us!