How to Lower Your High Risk Auto Insurance Premiums

If you have a bad driving record, it can be difficult to afford auto insurance. Many insurance companies offer discounts for drivers who complete driver safety courses. It may also be possible to remove points from your record if you participate in these programs. In addition to taking courses, you can save money on your premiums by avoiding traffic violations. auto and home insurance quotes

High risk drivers are drivers who have multiple tickets and other infractions on their record. This may include a DUI or several at-fault claims on their record. These drivers will usually need to get SR-22 insurance to prove their financial responsibility. If they do not carry this type of insurance, they are likely driving uninsured. High-risk drivers will typically pay more for insurance than average drivers. In addition, drivers with bad credit may pay more for coverage than other drivers.

High risk drivers often do not have very long driving records. This increases the likelihood of an accident occurring, but this is not the only factor affecting your premium. Other factors can increase your premiums, such as your age and marital status. For example, if you are a newly licensed driver, you are more likely to have an accident than an experienced driver. If you have more than one speeding ticket on your record, your premiums may be higher than those of a more experienced driver.

Although driving history plays a major role in your insurance premiums, you can do some things to lower your premiums. By being a smart, safe driver, you’ll be rewarded in the long run. In addition to lowering your premiums, you can also take advantage of discounts. For example, if you have a clean driving record, you may be able to save a lot of money by choosing an insurance company with a low cost rating.

Another way to lower your premium is by taking a defensive driving course. Driving under the influence is dangerous and increases your risk as a driver. In fact, 68% of fatal accidents in 2017 involved a driver with an illegal blood alcohol level. By taking a defensive driving course, you can avoid getting points on your driving record.

The good news is that your high risk auto insurance rates will begin to decline after three years of clean driving record. Many insurance companies take your last three to five years into consideration when setting your rates. While this may seem daunting, it’s possible to lower your rates with proper effort. Ultimately, you’ll have to find the right provider for your unique needs.