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High Risk Auto Insurance

Insurance companies recognize two types of drivers-high-risk drivers and low risk drivers. Low-risk drivers are standard or "preferred drivers" and they represent the vast majority of drivers on the road today. Low-risk drivers typically have a clean driving record (i.e., no DUI's, moving violations, and no or few traffic tickets); few to no accidents; no lapses in coverage (pays his/her premium on time); fair to good credit; and residence in a "fairly safe" to safe area. Low-risk drivers also typically drive a low-performance vehicle, such as a sedan.

High-risk drivers, on the other hand, are not as common as one may think, which is one reason why finding high-risk auto insurance may be a challenge.

High-risk drivers typically have:

  • A poor driving record (DUI's, moving violations, numerous traffic tickets).
  • An excessive number of accidents.
  • Lapses in coverage (does not pay his/her premium on time).
  • Bad credit.
  • Residence in an unsafe area.
  • A high-performance vehicle such as a sports car, luxury car, or SUV.

Other factors such as age and gender determine high-risk driver status as well. It is believed that younger males, especially males in their teens, represent the highest risk for auto insurance companies.

High-risk drivers will unfortunately have to pay for high-risk auto insurance. This means high-risk drivers will:

  • Have fewer options for auto insurance coverage.
  • Pay higher insurance rates (sometimes double, if not triple, the amount low-risk drivers will pay).
  • Have less flexibility with insurance companies.
  • Not enjoy any discount or reward offers.

Fortunately, the situation is not hopeless. There are several ways to get out of high-risk auto insurance hell and back to low-risk auto insurance status, including the following:

  • Do your best to avoid lapses in coverage by paying your premiums on time.
  • Do your absolute best to avoid traffic violations and accidents.
  • Take steps to improve your credit.
  • Move to a "safer" area (if at all possible)
  • Choose a low-performance sedan over a high-performance sports car.

Eventually, you will find an insurance company that is willing to sell an auto insurance policy to a high-risk driver. Unfortunately, it will be at a hefty price. However, here at AutoInsuranceTips.com, you can find the most competitive prices available for high-risk auto insurance. Simply enter your zip code above to begin.