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High Risk Car Insurance: 4 Things to Know | Direct Auto Insurance

Insurance companies consider some people to be “high risk” drivers. As the name suggests, these drivers may present increased liability to insurers due to their driving record, the type of car they drive, or even their credit history. the insurance company might see them as more expensive to insure.

You could be considered a high-risk driver if you have:

Reading: How to get high risk car insurance

  • had one or more car accidents
  • received multiple speeding tickets or other traffic tickets
  • has been convicted of driving under the influence (dui) or driving while intoxicated (dwi)
  • You have recently received your driver’s license
  • Your state required you to present an sr-22
  • a below average credit history
  • a particularly specialized or high-value car
  • pro tip: ask yourself “what is an sr-22?” Find out what SR-22 insurance is, who needs it, and how much it might cost.

    high-risk vs. low-risk drivers

    On the other hand, “low risk” drivers are those who are least likely to get into trouble on the road. they may have a good driving record and established credit history, work close to home, or live in a rural area. These last two factors mean that a driver may be on the road less often or encounter fewer vehicles on the road, which could reduce their chances of getting into an accident.

    cost of high risk auto insurance

    See also: Average Car Insurance Costs in California (2022) | MoneyGeek.com

    If you’re worried that high-risk insurance is too expensive, consider this: Driving without car insurance is illegal in most states and a gamble everywhere.

    an accident (especially with another uninsured motorist) could result in hundreds, sometimes thousands, of dollars in damages. getting caught driving without insurance could cost you your license, which can lead to many other expenses and inconveniences.

    high risk car insurance: 4 things you should know

    The good news is that you can find affordable high risk auto insurance if you look in the right place. Here are four things to know before you start shopping for auto insurance for high-risk drivers.

    1. Some car insurance companies do not offer a high risk option. (but we do!)

    Some companies only insure people with near-perfect driving records. other companies offer high-risk insurance or “non-standard auto insurance.” At direct auto insurance, we specialize in helping drivers who have been discouraged or turned down by other companies, so give us a call or get a free auto insurance quote before you commit to another provider.

    2. you can still shop around for high-risk auto insurance policies.

    As with most other things in life, you can and should shop around before choosing an auto insurance company. Before making a decision, compare high-risk insurance policies not only on price but also on coverage and reputation. look for the three pillars of a great insurance company: excellent service, many coverage options, and competitive prices.

    See also: Disability Insurance: When to Cancel, Drop, or Decrease Coverage | White Coat Investor

    Even if you are considered a high-risk driver, there are companies that understand your personal and financial situation. auto direct is one of them. we allow you to customize your payment plan to fit your payment schedule and monthly budget. There is flexible and affordable car insurance for high-risk drivers.

    3. sr-22 is not a type of insurance. it’s a form you need to file.

    some people mistakenly refer to the sr-22 as a type of insurance, but it is not. an sr-22 is a document that an insurance company files with the state to certify that a person has met the minimum financial responsibility requirements to have the coverage required by law. Courts or states will require an SR-22 for people who have had serious driving-related violations. Not all insurance companies offer SR-22, so if you need an SR-22, you’ll need to find an insurance company that provides that service. direct auto does it!

    4. you don’t have to be “high risk” forever. Affordable auto insurance for high-risk drivers is possible.

    You’ve made some bad decisions on the road, but that was then and this is now. All states require a period of time that a driving ticket will remain on your record, but your insurance company can suggest ways to reduce the points on your driving record.

    Some high-risk insurance companies reward drivers for attending driver safety or defensive driving courses. Taking positive steps to clear your driving record can help you get affordable car insurance and help you fall into the category of “lower” risk driver. you can also:

    • use defensive driving techniques to help prevent accidents
    • be careful to follow all traffic and parking laws
    • drive a car with more advanced safety features
    • choose auto direct for high risk auto insurance
    • need a quote for high risk auto insurance, help with an sr22, or both?

      We welcome all types of drivers to apply for direct auto coverage. Stop by your nearest auto direct, get a free high risk auto insurance quote online, or call us at 1-877-go-direct (1-877-463-4732) to see how we can provide you with the proof of coverage you need. needs to. must have, premiums that fit your budget and the service you deserve.

      See also: Insurance Adjusters and Appraisers | Department of Financial Services

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