Car Insurance for at Risk Drivers: Reduce Your Rates

When in search for car insurance for at risk drivers you may think that every company offers outrageous rates. However, that is not necessarily the case. Many companies offer affordable coverage for at risk drivers. You just need to know where to look and how to reduce your rate. Consider the following options for your coverage.

Are You a High Risk Driver?

Many drivers do not realize that the fall into the car insurance for at risk driver’s category. However, car insurance companies consider several people for this category. If you are a new driver and you don’t have at least three years of driving experience you are high risk.

Anyone who has more than three car accidents in ten years, or two accidents in five years, is a high risk driver. If you have had more than three moving violations in the last five years you are a high risk driver. This means that there are a lot of people in the high rick category.

High Risk New Drivers Online Quotes

As a new driver you are high risk because the company does not yet know who well you will drive or whether you can avoid getting into accidents. The company has no past to draw upon so they charge you more for insurance until you have proven yourself. However, there are ways to lower your car insurance for at risk drivers.

Start by getting your permit first. With a permit you can drive for over a year with your parent before even getting your license. This helps you build history. You can also sign up for a driver’s education course. The company may give you a huge discount for proving you are a safe driver.

High Risk Drivers with Accidents

As a high risk driver with accidents you best option is to be very careful. Don’t get into another accident during the next five years. You might also sign up with a company that offers accident forgiveness. For every year you are accident free you get a reduction in your premium. You might even consider going to a safe driver education class. This class covers the basics of driving safely and most companies will give you a discount for taking the class.

High Risk Drivers with Moving Violations

Drivers with moving violations have many options when it comes to affordable car insurance for at risk drivers. The first option is to keep the ticket off your record in the beginning. Many courts will allow you to pay an additional fee to keep points off of your license. You may have to pay twice what your original ticket was or hire a lawyer. However, these one-time expenses are much cheaper than paying high insurance rates for the next five years.

As you can see car insurance for at risk drivers doesn’t have to put a dent in your wallet. Search for affordable companies online by entering your zip code at the top of the page. You are sure to find reasonable rates from a company that covers your area.


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