Understanding High Risk Auto Insurance

While undoubtedly inconvenient, finding affordable high risk car insurance doesn't have to be impossible. If you're one of the many people who have had car accidents and traffic violations, you're likely to be placed with high risk auto insurance — also known as non-standard insurance.

Not all insurance providers offer high risk auto insurance, but some do, albeit, at a cost. high risk driver auto insurance is more expensive than usual rates. So, if you need an SR-22 to get your license back because it has been revoked or suspended, then you'll want to keep reading. We're telling you what you need to know about buying affordable high risk auto insurance. You can forgo the exhaustive research and just read this.

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How Long Does the High Risk Car Insurance Classification Last?

Once you are considered a high-risk driver, that classification sticks with you for a few years. The good news is that with some time and by maintaining a clean driving record, you can improve your likelihood of getting coverage at more affordable rates. Here are the main things insurance companies look at when determining whether or not you're classified as a high risk driver

  • Driving Record

    Going back a few years, insurance companies will look at your driving record. From tickets to offenses, it all counts, and the more recent your infraction, the more likely you'll be classified as a high risk driver.

  • Insurance History

    Companies that provide best auto insurance for high risk drivers will also review your insurance history. If you had no insurance or lapses in insurance, you'll be considered a higher risk. However, one term of coverage will erase that uninsured history and give you a better record.

  • Credit Record

    It makes sense that a solid credit record would endorse your strength as a good driver. After all, it's a reflection of your responsibility. If you're a high risk driver with a good credit record, or if your credit record has recently improved, you can get a more favorable rate

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Who is Considered a High Risk Driver Auto Insurance?

High risk drivers are considered irresponsible, inexperienced, or unskilled drivers.Let's look at a breakdown of the common high risk driving classifications.

  1. Drivers With Poor Driving Histories: While one ticket or minor accident does not necessarily mean you'll require affordable auto insurance for high risk drivers coverage, multiple minor infractions can add up. As can serious infractions, like a DUI, reckless driving, or multiple at-fault claims.

  2. Young Drivers: Young people have more accidents than any other age demographic and as such, they are considered for high risk driver auto insurance coverage. Younger drivers are generally considered anyone under the age of 25. However, different insurance companies will sub-divide young drivers further into more risky drivers. Young men, for instance, tend to be in more accidents than young women, so their rates are higher.

  3. Inexperienced Drivers: Drivers who have been driving for less than a decade may be subject to an inexperience surcharge. The highest surcharge is for people who have recently acquired their license and then every year, the surcharge reduces.

  4. Bad Credit: Statistically, drivers who have poor credit tend to file more claims. As a result, bad credit will make you a higher risk driver and more likely to need high risk auto insurance quotes online.

  5. No Previous Insurance: Drivers who have a license but have not had insurance are considered for high risk auto insurance coverage because providers assume that these individuals have been driving without insurance.

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5 Tips to Save on Car Insurance For High Risk Drivers

No matter what, being a high risk driver will result in more expensive high risk driver insurance quotes. This said, there are ways you can save on your insurance to make your high risk insurance lower cost.

  • Compare Rates : Get quotes from different insurance providers. If you compare rates from at least a few companies, you'll be better equipped to see what's a fair price, based on your specific risk factors (e.g. age, driving record.).
  • Be Honest : Honesty is always the best policy, especially if you want to get an affordable high risk car insurance policy. If you lie about an offense or infraction and your provider finds out about it later, your coverage may be terminated leaving you uncovered. However, if you are upfront and honest about black-marks on your record, you're more likely to find a lenient provider.
  • Improve Your Driving Record : Improving your driving record is one of the best ways to reduce your high risk insurance rates. Maintaining a clean record over the course of a few years will do this, but for more immediate discounts, you can take a defensive driving course.
  • Try to be Patient : As mentioned, time can heal a bad driving record, so just be patient. Over the course of a few years, your driving demerit points will drop and your premiums will follow suit.
  • Consult a Lawyer : In the event you were ticketed unjustly, talk to a lawyer who has experience in traffic law. Getting the ticket removed from your record could save you a lot of money over time.

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