subject: Facts About Insurance For High Risk Drivers [print this page] Insurance for high risk drivers can be very difficult to obtain and quite costly. This leaves many people riding public transportation and even walking to their destination of choice. However, there are methods of obtaining high risk insurance that are both simple and affordable.
There are many groups of people that are considered a risk. Insurance agencies require these individuals to take out non standard policies. Factors that help a company determine risk factors include age, driving record, and lifestyle.
People who are below the age of twenty five or above sixty five are considered more likely to be involved in an accident. Individuals who have had traffic infractions, a DUI, or an accident are required to take out a non standard policy. Single people or those who live in high traffic regions also suffer increases in their policies.
Other factors that facilitate the need for at risk insurance include having good credit and even keeping continuous coverage on all vehicles. Letting a policy lapse without renewal shows an agent that the vehicle has been driven without being covered. Having bad credit causes agencies to see a client as irresponsible.
Getting lower rates
Despite what most people believe, there are things that can be done to lower the likelihood of needing non standard policies. Many of the factors will take a bit of time, but some of them will have more timely results. The key is to prove responsibility.
The first step is to be a conscientious driver. Pay attention to the road and don't talk on the phone while driving. Many mishaps that occur are a result of human error and could have been avoided.
Be aware of driving tickets and infractions. Many people are not aware that they have unpaid tickets and others don't know about bad marks on their driving records. The DMV can provide all of this information. Some factors can be changed and will make a difference on insurance rates.
People who have a bad driving record can reduce policy costs by taking a driver's education course. This shows companies that there is an effort towards making a change. It also proves responsibility.
Insurance for high risk drivers does not have to be impossible or expensive. There are many things that can be done to reduce policy rates. Most take very little time or effort, but make a huge difference on driving reputation. Many insurance agencies offer safe driving rewards to those who make such efforts.
by: Lance Thorington
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