subject: Get The Best Rate On Car Insurance For High Risk Drivers [print this page] Whilst many people often chop and change their insurance companies, this is not a good idea for those who need car insurance for high risk drivers. High risk drivers can be people who have been caught driving drunk or under the influence of alcohol, drivers who have had more than one accident or drivers that have a record of traffic offenses for which they have received fines or worse.
There a number of steps to follow if you think you are or if indeed, you are a high risk driver. Firstly, phone the department of motor vehicles to see if your driving record is less than desirable. If you have any outstanding fines then make sure that these are paid right away. When this has been done, contact the Department of Motor Vehicles (DMV) in order to get any adverse records removed from your name.
Collate information from expert driving instructors and the DMV on how to improve your skills as a driver and remove yourself from the category of a high risk driver. Enroll for a safety-driving course. This will not only make you a safer driver but may also help reduce you premium even further than is the case right now.
Reduce your insurance premium by swapping your car for one that is of lower value as the risk for theft and the cost of repairs should an accident occur is lower than more expensive cars. Cars with airbags and automatic seat belts further reduce premiums on the policy of a high risk driver. Be sure to get all of this as features in your car.
Discuss your situation with experts in the field of insurance. Explain your situation and history with them in order to get your premium reduced as much as possible. Seek the company that deals with policies for high-risk drivers and try to get the maximum amount of cover for the least amount of premium.
Understand all the clauses that your high-risk driver policy schedule contains. You do not want any loopholes for the insurance company come claim time.
Many states have what is called administrative license revocation. (ALR). This gives law officers the right to take away drivers licenses of people that are found to be driving drunk or should the said driver refuse to undergo a Breathalyzer test. It is not imperative that car insurance for high risk drivers need be that expensive. Following the above advice can reduce the premium significantly.
by: Lance Thorington
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