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What are high risk auto insurance quotes?

Things to Remember...
  • It is always a good idea to compare car insurance quotes from companies that will cover you to see if you can find the best deal
  • The main types of people who are automatically considered high-risk drivers are teens and the elderly
  • Young adults and middle-aged people can also get placed into a high-risk category
  • Some companies specialize in providing coverage for drivers who have trouble obtaining policies
  • It is always a good idea to compare high-risk auto insurance quotes from a handful of good companies

Because insurers that offer these policies take more risk, they also tend to charge quite a bit more than they do for low-risk or standard-risk drivers. In fact, some companies will not even offer to cover high-risk drivers at all.

Of course, it is always a good idea to compare car insurance quotes from companies that will cover you to see if you can find the best deal. Enter your ZIP code into the FREE quote tool above now!

Teens And Seniors Might Be Considered High-Risk Drivers

AdobeStock_37653669-1600x1600Some groups of people are generally considered risky by most insurers. This is true if they are very good and careful drivers or not.

The main examples of people who are automatically considered high-risk drivers are teens and the elderly. This generally includes teenagers and young adults under 25 and senior citizens over age 65 or 70.

This is not because of anything that the individual has done, but it is just because insurer statistics demonstrate that very young and very old drivers tend to make more claims than people in other age groups.

Why are senior citizens and younger drivers considered high-risk? Teenagers and young adults are inexperienced drivers, and they may be impulsive. Senior citizens might have decades of driving experience, but they may have slower reflexes and poorer hearing and eyesight.

Many people contend that younger drivers have the ability to operate cars well because they tend to have good eyesight and fast reflexes. Similarly, older drivers may have years of experience to compensate for slower reflexes.

Typically, older drivers are also more cautious and avoid driving in poor weather conditions. There is nothing inherently wrong with teens or seniors that make them worse drivers, but insurers keep a lot of statistics about which groups of people tend to make more claims.

If you fall into one of these two risky age groups, you still can take steps to lower your premiums.

Driving without any tickets or accidents will certainly help. So will taking defensive driving classes periodically. Students may be able to earn a discount by maintaining good grades.

Even though younger drivers tend to have more accidents, insurers believe that good students tend to be less risky to cover than marginal students.

Other Reasons Insurers Consider People Risky To Insure

Of course, young adults and middle-aged people can also get placed into a high-risk category. In fact, insurers place more people into this more costly category than they did even 10 years ago.

You might find out that you have been labeled as risky because your auto premium gets increased a lot at renewal time.

However, there are some common situations that will usually cause insurers to reclassify you.

  • License suspensions or revocations
  • Needing an SR-22 policy for license reinstatement
  • Having a DUI or DWI on your record
  • Multiple accidents or tickets, especially within a short time period
  • Some disabilities

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What is an SR-22?

They might be required if you were caught driving without insurance, especially if you were involved in an auto accident without coverage.

Requirements vary by individual state, but you may have to keep filing one for 3 years after the incident.

Some states handle the problem of high-risk auto insurance by establishing a high-risk pool for their residents. This might offer a solution for very high-risk drivers who cannot get insured by a private company.

On the other hand, patrons of these pools cannot compare high-risk auto insurance quotes from a variety of companies.

Will All Insurers Cover High-Risk Drivers?

Insurers do not have to cover high-risk drivers, and some will pass. On the other hand, some companies specialize in providing coverage for drivers who have trouble obtaining policies.

Insurers might also pick and choose which high risk drivers they will insure.

For example, some companies will offer to cover teen drivers if parents also have a policy. They might even offer discounts for family policies.

After all, they do not want to lose the business of the whole family, and they know that young drivers will grow up, mature, and purchase their own coverage some day.

Similarly, some companies will offer to cover elderly drivers if the individual has an established history with that company and does not have an unusual number of accidents.

They may not be eager to solicit the business of new customers over 70 years old though.

Find High-Risk Auto Insurance Quotes

Dollarphotoclub_72254370-1600x1600Of course, the longer that you can go without having an accident or ticket, the more chance you have to get your rates reduced again. The good news is that most people can earn a better risk classification over time.

Insurers are not all the same when it comes to providing coverage for risky drivers. Some companies are much friendlier to different types of drivers than others.

It is always a good idea to compare high-risk auto insurance quotes from a handful of good companies. Even a small difference in your monthly premium might add up to hundreds of dollars in savings over the course of a year.

Save easily with our FREE comparison quote tool located at the top of this page!

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