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What are some high-risk auto insurance companies that offer cheap rates?

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Things to Remember...

  • Your driving record can affect your monthly premiums negatively and positively
  • Teenagers and young adults are usually quoted higher rates
  • Having a DUI on your record can increase your rates substantially

Every driver wants great rates, but not every individual will be offered attractive premium levels. The fact is that auto insurance companies base their premiums in large part on your driving record.

If you have a few at-fault accidents or a lengthy collection of tickets, you will have some challenges when it comes to your insurance.

This article highlights what you can expect if your record is looking frightening; along with information on how you can still take control over the rates you pay.

Enter your zip code into our FREE car insurance comparison tool to take control over the rates available for you.

Driving Record Is Everything

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This is all information they can obtain by pulling your driving record. They can pull your record at any time to see how you are doing.

They can pull your record at any time to see how you are doing.

Certain states are proactive and will actually contact your insurance company if you are ticketed.

If you are insured with a company that caters to drivers with good records, the company can drop your policy. In this case, know what to ask when calling an auto insurance company to make things right.

Other Factors

There are other factors that can cause you to be classified as the type of drivers that need high-risk auto insurance coverage.

People with very poor credit may have to deal with this classification, even if they do not have any tickets.

Teenagers and young adults are usually quoted higher rates.

If you fall into any of these categories, you may find yourself sorting through the insurance companies.

The rates will be higher, and you may feel like you do not have any choice but to pay the outrageous fees. However, there are other options available to you.

Driving Classes

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Start making changes now so that you can switch to a more affordable company in a few years.

Follow the speed limit, and consider taking driving classes to address aggressive driving habits you may have picked up over the years.

The driving classes may also pay off in the short-term with attractive discounts, even if you are with a high-risk company.

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Credit, Grades, Experience

If you are considered a liability due to your credit score or because you haven’t driven in a few years, then there is hope for getting better rates.

Take steps to improve your credit score. Once the number starts to climb, you will find that more companies are willing to insure you.

If you are a teen driver, focus more at school and improve your grades.

Many companies offer discounts to kids who get good grades in high school and college.

If the issue is a long lapse in driving experience or insurance, then time will correct the problem.

Mind the speed limits, drive defensively to avoid accidents and you will soon be able to apply with the more affordable companies again.

Shop Around

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Even in the high-risk field, there are several companies available for you to consider.

Even people with DUIs can find multiple companies willing to insure them.

Use online comparison sites to quickly and easily shop around for the best price and the most attractive coverage levels.

Change Coverage Levels

When comparing auto insurance rates, you must use consistent information.

Decide on the deductible you are willing to carry, determine what your coverage levels should be and make sure that all quotes are based on that information.

This will help you find the most attractive rates with accurate comparisons.

If you need to bring the rates down lower, consider raising the deductible.

You can also lower your coverage levels to bring insurance costs down, but this should be done with care as it can leave you open to lawsuits should you be involved in an accident.

Keep Applying

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Situations can change suddenly. If you have been watching your speed and avoiding accidents, then your record will start to look better.

Even if a company turned you down a year ago for coverage, you could easily receive a different answer this year.

When you need high-risk auto insurance, use a comparison site to find the best company for your situation. After providing your information, you will receive quotes from several different companies.

Take steps now to improve your driving record and your credit score, and then shop around when it’s time for your renewal.

Just enter your zip code into our FREE auto insurance comparison tool to find affordable rates for your particular driving record.

FREE Auto Insurance Comparison

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