Auto Insurance For High Risk Drivers
Looking for affordable auto insurance for high risk drivers
? As you probably know, insurance companies charge high risk drivers higher premiums. Finding affordable car insurance can be a difficult but not infeasible.High risk drivers - Who are they really?
A number of factors are used by insurers when determining if a driver is high risk. The ones paid particular attention to are driving record, age and credit score.
Teen drivers - insurance experts point out that in a huge % of all accidents, young drivers are at fault. Its hardly surprising that insurers put drivers lacking experience in the high risk group. Insurance premiums for teenage boys in particular are quite high, especially for those driving faster cars.
Senior citizens - 65 year is usually the age at which society accepts people as seniors. There is an argument that senior drivers driver more carefully and rarely own sports cars. Yet, statistics suggest that older drivers are involved in accidents quote often.
People with poor driving history - when insurance premiums are calculated, driving history still plays an important part. If you have been caught driving uninsured, driving under the influence of alcohol, have a few traffic violations or you have been at fault for an accident, you should fully expect to pay more. You may be required to have SR22 or in some cases even FR44 as part of your policy.
Poor credit score - many people think that its unfair for insurers to use credit score when determining auto insurance premiums. Fact is that in recent years credit score has become a major factor as far as insurance companies are concerned. Those paying their bills on time are seen as good customers who are less likely to make a claim.
Cheap car insurance for high risk drivers
Some may think that is is simply impossible to find low cost car insurance for high risk drivers, but that's not true.
If you are a teen driver, the first thing you should be concerned about is keeping a clean driving record. Maintaining good grades at school or college can lower your premiums.
Its very important to obey the law. Don't drive under the influence of alcohol and never drive without insurance - its common sense. If you have had traffic violations and you are required to have SR22, never let your insurance policy lapse.
Driving a more economical car packed with safety features will definitely help you find cheaper insurance.
For senior drivers, as well as inexperienced ones, taking a defense driving class is a great idea.
Comparing quotes online is most likely the easiest possible way for high risk drivers to find affordable auto insurance.
Getting quotes from at least 3 insurance companies is what insurance experts recommend. You may be shocked by the rate difference.
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