Do you think you are a high risk driver? Whether you have been charged with driving under the influence (DUI), speeding or causing a car accident, the penalties can be severe. Fines, incarceration, license suspension, job loss and finally high insurance costs are just some of the results of high risk driving behavior.
Unfortunately, whether you think you are high risk or not, insurance companies will analyze your driving history to determine whether to give you high risk auto insurance or a regular insurance policy.
If you have been labeled a high risk driver, you can expect to pay higher premiums for insurance or you may be denied coverage. You may also find that you have fewer options, insurance companies may not offer you the best deals and if you had low cost insurance your policy may be cancelled or your insurance premiums may dramatically increase.
Finding Car Insurance
1. Check your driving record. Contact the Department of Motor Vehicles for your state and find out exactly what the insurance companies are evaluating. Some traffic violations may be cleared from your driving record. Make sure all of your motor vehicle fines have been paid.
2. If you barely passed the driving exam it may be possible to take driving safety classes to improve your driving skills and potentially lower your insurance rates.
3. Premiums may be higher if you are driving an expensive car. Talk to the insurance company about the type of vehicle you could drive to lower your premiums.
4. Get several quotes from different insurance companies. Information about insurance companies can be found online or in the phone book. Friends may also be a great resource for insurance recommendations.
5. Be clear about the type of insurance coverage you need. Do not hide details about your driving record. Being honest and open may give you the opportunity to explain your driving record.
6. Find a vehicle with safety features. Does your car have automatic seat belts and airbags? Certain safety features may lower your car insurance premiums.
7. Bargain with several insurance companies for the best deal. Some companies may be willing to offer better priced coverage for high-risk drivers.
8. Never sign an insurance policy application without understanding the type of coverage you will receive if you are in a car accident. Drivers often fail to understand their coverage and find out too late that they do not have the type of insurance they need.
Unfortunately, if you a high risk driver you will not be able to get the cheapest insurance policy. If you have been charged with DUI (driving under the influence), DWI (driving while intoxicated), reckless driving, or multiple traffic violations, you will pay more for coverage but with smart decisions and a few simple steps you may be able to save yourself some money.
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