You’re a ‘High Risk’ Driver?! Can You Get Lower Insurance Rates?
You may have a driving record that isn’t perfect (it happens), and you’re trying to get car insurance. The good news is, you can find affordable high risk car insurance if you look in the right places. First, understand why you’re considered a high-risk driver.
High Risk Driver Traits
Recently received your driver’s license
Multiple at-fault accidents
Speeding tickets or other traffic citations
Convicted for Driving Under the Influence (DUI) or Driving While Intoxicated (DWI)
Owning a particularly specialized or high-valued car
Below average credit history.
So You’re a High Risk Driver….What Do You Do Now?
Flexible, affordable car insurance for high risk drivers does exist! The ‘High Risk’ label won’t follow you for life. As time goes on, given you don’t cause any more violations, your risk level will decrease. Of course, this varies case by case. Typically, your rates will begin to lower after being accident-free for three years. This is dependent on your particular reasons for being high-risk. For example, DUIs are more serious than speeding tickets.
Can You Bring Down Your Rate?
While high-risk drivers will see a higher cost on their insurance, there are still ways to bring it down. When you use the right research techniques or talk to the right insurance consultants, it’s easier to find discounts than you may think. Some common discount qualifiers include:
Not driving often
Renewing your insurance in advance
Homeowner’s discount
Having a short commute
Regardless, after a certain amount of time, your driving penalties (accidents, speeding tickets, etc.) should fall off your record. Then your insurer might also reward you for attending specific traffic safety schools or defensive driving courses to clean up your driving record.
Be Patient and Protect Yourself
We may not have a magic wand to make it all go away immediately, but Sanders Insurance will be able to help you significantly decrease your price over time. When you compare a premium to how costly it can be to drive without insurance, paying for a policy isn’t bad at all. Remember to be patient and continue practicing safe driving in the meantime.
