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Is it easy to find high risk cheap auto insurance?

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Here's what you need to know...
  • Drivers under the age of 18 are considered high-risk drivers
  • Where you lives can impact your monthly premium
  • Your driving record can also affect your insurance rates

Sometimes, we get unlucky with regard to auto insurance. If you fit certain demographics, including where you live, what car you drive, how old you are or your official driving record, you may find yourself in the “high risk” bracket of car insurance prices.

Automobile insurance companies determine the price of your annual premium based on your position in the high-risk bracket, meaning that your past and present situation are likely to have an impact on the future prices you will pay.

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Do I qualify as high-risk?

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As a result, many people in the high-risk bracket have spent many long hours seeking out companies that don’t penalize them too much for their risk factors, but who can offer the level of support, policy detail and auto insurance security that is required by state auto law and that they want for themselves and their families.

There are hundreds of insurance companies in the United States, and each one has its own proprietary way of calculating risk. Some assign more risk to age over driving record, while others put more weight on where you live and what car you drive.

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Some of the elements that cause a person to qualify as high risk include:

  • Age If you are under 18, your insurance premiums may be significantly higher than the average American’s, because teen drivers tend to be more reckless due to their lack of driving experience. Empirically speaking, a greater percentage of teenagers have gotten into car accidents over the past several decades than older adults, making them a high-risk group. In many cases, this presents a good reason for kids to wait on getting a license.
  • Car Make & Model Certain cars are generally thought to be riskier than others on the road. High-end sports cars, cars with low safety ratings, cars with poor handling and cars that appeal to younger or typically unsafe drivers tend to be risk factors that could significantly raise your premiums.
  • Location Certain states and cities have higher crime rates than others, and some areas are more prone to accidents. If you happen to live in any of these high-risk areas, you may need to purchase high-risk auto insurance.
  • Driving Record Finally, you may be placed in the “high risk” category if you’ve been in an accident in the past five years, if you’ve been ever pulled over for a driving violation or if you’ve ever been convicted of a DUI. Unfortunately, you can’t change this.

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We offer best-on-the-web insurance comparison services for FREE. How much better can you get? Save yourself time and energy and try us out today! Enter your zip code below and start comparing auto insurance quotes now!

FREE Auto Insurance Comparison

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