Best Car Insurance for High-Risk Drivers

What types of driving violations will result in you being considered a high-risk driver?

Typically, more than one of the following violations within a 3-to-5-year period will result in you being considered a “High-Risk” Driver. However, if you are licensed for less than 3 years, any one of these violations could give you that title as well.

Speeding tickets 15 miles over the limit, unless you are in a School Zone, then any miles over the limit is serious

  1. DUI/DWI
  2. No Seat belts
  3. Cell Phone Use while driving
  4. License Suspensions for scofflaws (failure to pay fines or summons) or failure to pay child support
  5. Another big violation is for parents – allowing a non-licensed vehicle operation for ATV’s, electronic scooters, etc

If I have high insurance rates due to a poor driving record, what are some steps I can take to get cheaper insurance?

The following is a list of ways to reduce your insurance rates:

  1. Select higher deductibles such as $1000 or $2500 on your Comprehensive and Collision Coverages
  2. Take a Defensive Driving Class
  3. Take public transportation to and from work and let your agent know you use your car for pleasure use only.
  4. Sell your new car and purchase an older car that does not warrant adding comprehensive or collision coverages. Save your money for the next 3-5 years with a Liability Only Auto Policy.

If you work with an Independent Insurance Agent, they have access to many companies which can save you the time of doing the shopping yourself. However, working with a direct writer such as Geico, State Farm, and Allstate has an advantage as well. Some direct writers offer special programs for ‘High-Risk Drivers’ which could mean more competitive pricing for you if you are eligible. Therefore, you must do your research to search for the most competitive rates.

How can I get coverage if no car insurance company will sell a policy to me?

Check with a DCAP Insurance Agency near you as they also have access to many companies and typically, provide competitive options to high-risk operators if you are eligible.

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