Our auto insurance buying tips for high risk drivers explain how insurance companies categorize someone as “high risk,” which providers will offer you coverage, and how to shop smart for a policy that gets you the protection you need at the best rate. Read on to learn how to navigate your insurance options, how you can expect this category to affect your rates and premiums, and more.

What it Means to be Labeled “Uninsurable”

What it Means to be Labeled “Uninsurable”
By Michelle Burton

There are some drivers that can squeak past high risk auto insurers with no problem at all and others that even high risk auto insurance companies won’t touch. These individuals are often labeled “uninsurable.” To be labeled uninsurable by auto insurance companies can mean several things. It usually means that you:

Read More

High Risk Auto Insurance: Top Reasons Drivers Are Considered High Risk

High Risk Auto Insurance: Top Reasons Drivers Are Considered High Risk

There are a number of reasons that drivers are considered high risk. They range from, most simply, your driving experience, to the car that is being driven. The total sum of the equation is what places individuals into the various risk categories. If you drive a high performance vehicle, you will be placed in a higher risk category than one who drives a more economical vehicle. Similarly if you drive a great deal of miles per year or have few years of driving experience, these factors will increase your risk factor from an insurance company’s point of view.

Read More