3 Tips That Make Cheap High Risk Auto Insurance Possible

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Things to Remember...

  • If you’ve been involved accidents or have points on your driving record, you may be considered a high-risk driver
  • Being under the age of 25 can also put you in a high-risk driver category
  • High-risk drivers will have to fill out an SR-22 when they buy car insurance

If you’ve received a few speeding tickets or caused a couple fender benders, then you may be expecting to pay a fortune for your car insurance. While some high-risk drivers pay insurance rates that would make most people cringe, thankfully, there are ways to help you from being one of them.

Although having several blemishes on your driving record may result in a high-risk driver classification, you can earn the title even if you haven’t been involved in any traffic incidents.

Fortunately, if you drive a cheap car, work on your driving record and shop around for the best deal possible, buying high-risk auto insurance doesn’t mean you have to break the bank!

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High-Risk Drivers


Simply put, high-risk drivers are people who insurance companies believe are more likely to cost them money than their average customer. Typically, a driver becomes classified as high-risk if they’ve been caught breaking several traffic laws or have caused an accident or two.

For example, a person could be considered a high-risk driver because they’ve received several speeding tickets, and therefore, statistically speaking they’re more likely to cause an accident.

Even if you’ve been a safe driver for the most part, however, an insurance provider could consider you high-risk. For example, drivers who are under the age of 25 or who do not have much driving experience could be considered a high risk to insure.

Depending on their driving record and circumstances, seniors over the age of 70 are also more likely to be labeled as high-risk drivers.

If you’re a good driver but have a bad credit rating, insurance providers may be reluctant to insure you. Companies need to feel confident that a customer will pay their premiums on time, or, they will charge them more.

In particular, drivers who’ve had their insurance canceled in the past due to non-payment could have difficulties finding insurance.

Other incidents on your credit rating, such as a foreclosed mortgage, could also mean you’re classified as a high-risk driver.

If you live in a neighborhood that has a very high crime rate and automobile theft is extremely common, then you could be a high-risk person to insure.

Additionally, if you drive an extremely valuable and fast car, which is more likely to be stolen or get in an accident, finding standard insurance for it could be a difficult task.

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High-risk drivers who have a conviction for a more serious offense such as driving under the influence may have to file an SR-22 form when they buy car insurance.

An SR-22 is a guarantee from an insurance company that the driver is insured and will continue to be for a certain amount of time. People who have had their license suspended or revoked for any reason may also need to file an SR-22.

Typically, an SR-22 is filed with whatever department is in charge of monitoring drivers and car insurance in a respective state. For example, in the State of Colorado, the Department of Revenue: Division of Motor Vehicles, oversees SR-22 filings.

In the State of Washington, the Department of Licensing issues SR-22s. If a driver fails to keep their SR-22 current, the insurance provider is required by law to notify authorities, and their license will be suspended.

Although most states have regulations in place regarding an SR-22, Oklahoma, Kentucky, and New York are some of the jurisdictions that do not require them. If you’re not sure whether you may need to file one, contact an insurance provider or your state government.

Non-Standard Insurance


Drivers who are classified as high-risk may be unable to buy car insurance at the standard rates that are offered most people. As a result, they will have to buy high-risk car insurance, or what most providers call non-standard insurance to get their car insured.

Depending on the company, they may or may not offer non-standard or high-risk car insurance. Although many of the major insurance providers do not, some offer several tiers of coverage, including standard, preferred, and non-standard.

There are also many companies that specialize in the high-risk car insurance market. Unlike standard insurance, high-risk driver policies have a much more flexible qualifying process in terms of a person’s driving record and credit rating.

In fact, many state governments administer non-standard insurance programs so that high-risk drivers can get coverage for their cars.

For example, in Indiana, the Department of Insurance oversees an auto insurance plan, which requires all providers to insure their fair share of high-risk drivers. In other states, like Connecticut, the Insurance Department provides a list of non-standard insurance providers.

In other words, if you’ve been classified as a high-risk driver and are worried about getting insurance, don’t be. As long as you’re legally allowed to drive, you’ll be able to find insurance for your car.

While finding high-risk insurance premiums that are lower than standard rates may be a challenge, thankfully there are several ways to save some big money on your coverage!

Drive a Cheap Car

One of the most practical ways to lower your insurance rates, standard or non-standard, is to drive a cheap car. The more expensive a car is the more money it will cost an insurance provider to fix it if you cause an accident. In order to cover the potential costs to them, insurance companies must charge you more for your insurance.

Flashy and luxurious cars are also far more likely to be stolen or broken into than less valuable cars. As a result, they are more likely to cause an insurance claim than a less expensive vehicle.

In addition, many high-priced automobiles like sports cars are extremely fast and more likely to be driven at dangerous speeds.

If you’re already considered a high-risk driver, then insurance companies are going to charge much more if you’re driving a car they believe is more likely to be involved in an accident.

If you choose to drive an older and less expensive car, then you may also not need as much insurance coverage. For example, if the car has little value, then you may want to consider not carrying collision insurance for it.

Collision pays for the damages your car receives in an accident you cause. In other words, depending on the circumstances, having extensive insurance for the car may be more costly than paying for the repairs yourself.

Als0, comprehensive insurance may be unnecessary for an older car. Comprehensive insurance pays for the damages that don’t occur from a car accident, like a hailstorm, fire, or an act of vandalism.

Work on Your Driving Record


Another effective way to save money on your high-risk auto insurance is to improve your driving record. Although you may be classified as a high-risk driver now, you can gradually improve your driving record and lower your insurance rates.

This can be accomplished by not only driving safely and avoiding any kind of traffic violation but also by making sure that any outstanding fees or tickets you’ve received are paid.

Once this is done, contact your state government and find out what their rules in terms of clearing less serious violations from a person’s driving record.

If you haven’t already, you can dramatically improve your profile by completing driving lessons. Insurance providers offer lower rates to people who can demonstrate that they have worked on improving their driving skills.

Even if you’re a more experienced driver, there are driving lessons that are specifically designed for older motorists who want to update their driving skills and knowledge. You can find driving lessons in your region online by referring to websites like U.S. Driving Lessons.

Shop Around

One of the best ways to find cheap high-risk auto insurance is by shopping around and comparing rates. While it may take a little time to find out who is offering non-standard insurance, you could save some serious money by not settling on the first policy that comes your way.

Thankfully, getting car insurance quotes is easier than before since many websites specialize in finding and comparing rates for consumers. Typically, you will have to provide some general information about yourself in order to get a quote.

Some of the questions you could be asked include the make and model of your car, where you live, and your social security number. High-risk insurance providers need your social security number so that they can access your driving record and credit rating.

Once you have several different insurance quotes, don’t be afraid to contact the providers themselves to see if they will match the lowest one. The market for non-standard-insurance is growing, and just like any other industry, companies will match the prices of their competitors to attract more business.

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