It is common for high risk drivers to switch insurance companies multiple times in order to get better deals. However, this is not a good idea for someone who has many negative marks on their driving record. In order to get the best deals possible when you do not have a spotless driving record, keep reading.
1) The first thing you want to do is take a look at your driving record. You can get a copy from your local Department of Motor Vehicles office. The reason you want to do this is so you have a clear picture of what you are dealing with and what the insurance companies will be seeing.
2) If you have any outstanding fines for past (or present) violations, contact the appropriate authorities and pay them off. Once you have done this, contact the DMV again so you can show proof that you have taken care of your responsibilities.
3) Do some research on how to improve your skills on the road and in turn, start picking yourself up out of the high risk rut.
4) If you are driving a pricy car, get something cheaper. The lower the value of the vehicle, the less it will cost to insure it. You should also change vehicles if the one you are driving is a sports car or a premium model. Driving a flashy car and being a high risk driver will not get you anywhere when it comes to lowering your rates.
5) Take a course in driving safety. This will count for a lot with many insurance companies and may bring down your rate significantly.
6) There are many insurance companies that give discounts for driving a car with certain safety features. These may include, but are not limited to, air bags, automatic seat belts, anti-lock brakes and anti-theft devices. Even if the discounts are small, anything will help when trying to get yourself insured in the high risk category.
7) Get online and find information on the top auto insurance companies or agents. Contact each one and tell them exactly what it is you want and what your road blocks have been. I most cases, the agents will do everything in their power to get you the best rates available.
8) Before making a choice on which company you will go with, compare all of them side by side. You want to pick the company that is offering you the most amount of coverage for the least amount of money. This will be the company that is able to get you the best discounts for high risk drivers.
9) Before you sign on the dotted line, be sure to read the fine print. You want to ensure that the things that are vital to your policy are in place and correct.
Getting insurance for high risk drivers is not impossible, though many think it is. It is all about taking the right steps yourself and contacting agents until one of them tells you want you want to hear – that you can be insured at a lesser rate than the others have quoted.
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