Let us first take a moment to define “high risk driver”. Whether you have been in multiple accidents or been arrested for a DUI, insurance companies will view you as riskier to insure. Most high risk drivers have either got two or more points on their license or are simply considered risky because of their age. Either way, they are considered high risk and therefore can hard to ensure for a reasonable price. This is where shopping and comparison comes into play. There are several companies that specialize in insuring high risk drivers at reasonable rates. These are the ones who look at you as someone they can help even if you have messed up in the past because they believe that everyone deserves a second chance. These types of companies are out there, you simply have to look for them.This term refers to anyone who is considered to be a risky investment.
High risk drivers typically pay more for their California car insurance because of the reasons mentioned above. However, another reason is that they do not know there are ways to make themselves more attractive to insurance companies. When someone insures you it is an extension of trust and we all know that trust is something that is earned, not freely given. The key is to make you appear more trustworthy to insurance companies. This will not give you good rates right out of the gate because again, it takes time to earn trust. However, if you do a few simple things, the cost of your insurance can quickly go down. Proving that you are a responsible and safe driver can go a long way when it comes to how auto insurance companies view you and rate you on their risk scale.
To make yourself more attractive to insurance companies, follow these basic tips:
Tip 1: Show that you are sincere in your desire to become a safe and responsible driver who is worthy of trust. The best way to do this is to enroll in a defensive driver’s class, a driver’s safety class or both. You must do this of your own accord and not be court ordered into these classes for it to count as you trying to sincerely appeal to the insurers. Once you have completed this course(s), you can take that information to the insurance company and they may lower your rates a bit right off the bat.
Tip 2: Choose your vehicle carefully. Sports and Luxury cars are more expensive to insure. The more expensive or the more “high performance” your vehicle is, the more you will pay for your insurance. The safer and more reliable the car is, the less risky it is to insure it no matter who the driver is.
Tip 3: Not all insurance companies look at violations in the same way or under the same period of time. Speak to an agent specializing in high risk drivers and find out what they can do for you. You may be surprised!
Tip 4: Check your driving record periodically. Minor violations like speeding stay on your record for 3 years. Major violations like a driver’s license suspensions or a failure to appear in court violation stay for 5-7 years. A DUI will last for 7 to 10 years depending on your state of residence. Knowing your record is like knowing your credit. Awareness and knowledge will help you keep your rates low.
The best thing for you to do to find a company that specializes in insuring high risk drivers. Companies like this will do whatever they can to ensure that you get the best possible rates and this is exactly what you need at this point in your life.
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