subject: How To Avoid High Risk Car Insurance [print this page] Purchasing high risk car insurance is not an inexpensive undertaking. An insurance company will usually put a person on the high risk list if they have been arrested or cited for speeding, DUI, an accident or other things that indicate that the driver may continue to do things recklessly. This alerts all insurance companies one might contact to obtain insurance.
Having one's driver's license suspended usually causes the policy to be cancelled in most cases. The exception is usually if other drivers in the family are covered under the policy and have a clean record. Even in these cases one will usually see the premium go up.
Whenever one receives a ticket for speeding or some other violation it means 'points' on one's driving record with the Department of Motor Vehicles. A certain number of points will automatically raise the premium with many insurance companies when they check the driver's record. This usually occurs when there is a change or claim against the policy.
Such things as attending a driver's school, paying all fines due or attending a defensive driving class are ways most states will allow drivers to reduce the points that appear on their record. In addition, if one has a high-powered car, known for its speed, and switches to a more traditional type with all the safety factors it will also sometimes work in one's favor with the insurance company.
Some insurers will only issue a certification certificate to a high-risk driver showing that they have insurance for liability only. That means that there is no insurance to cover the driver or their automobile in case of a bad accident. This can often turn out tragic if there are hospitals and other costs involved.
The insurance companies keep statistics and, unfortunately, some people are put in a certain category even if they do not have a bad record. This would include drivers under the age of twenty five, for example, as statistics will show they have the majority of accidents. The insurance companies consider teenagers a very high risk and charge accordingly.
Personal attributes, such as a bad temper, a reputation for arguing with the police and others in charge will be noted on any ticket issued. This is immediately picked up by the insurance company as an indication that one would lose their temper with another driver, on the highway, that could lead to an accident. Not following the traffic rules is another issue that involves high-risk insurance. It is a very expensive insurance if one is able to find someone willing to issue a policy which is not always the case.
by: Lance Thorington
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