What is High Risk Auto Insurance?
Let's be honest. Some cars and drivers are simply more likely to get into accidents than others. And the fact that they're high risk is reflected in their car insurance premiums.
Your 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 considered a high risk driver, 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.
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Lower Your High Risk Insurance Cost
First, get a free online auto insurance quote to get a realistic picture of what your cost might be, based on your driving record.
Even if you are considered a high risk driver for auto insurance now, here are some steps you can take that may lower your car insurance cost:
- 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.
See what discounts are available in your state.
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