High-Risk Car Insurance

High-risk car insurance is more expensive than standard policies, costing an average of 30-100% more than ordinary insurance annually. Even if you're high-risk, you can find discounts to lower your premiums.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 18, 2021

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Here's what you need to know...

  • There are several things you can do to cause yourself to be categorized as a high-risk driver
  • High-risk insurance is more expensive than standard policies
  • Even if you’re high-risk, there are things you can do to lower your premiums

Risk car insurance refers to the contract signed by an insured when the insurer decides that the applicant is a high-risk driver.

Highly risky car insurance policies are normally signed specifying that the party that is insured will undertake to pay some premiums.

Then, in case any damage or injuries are caused by the car and driver, the insurer will pay for such injuries and damages.

Different states require liability levels which vary as will the quotes by different insurance firms.

Therefore, before you obtain a high-risk car insurance policy, you should check on the internet for state minimums and rate quotes.

In case you are involved in a car accident, the driver who found to be at fault is often required to undertake the payment for all the damages that have been sustained by the other party or parties.

This differs between tort states and no-fault states, so you will need to know which you live in.

Compare high-risk car insurance quotes by entering your zip code now!

Categories of High-Risk Drivers Covered By Risk Car Insurance

High-risk car insurance usually classifies drivers into categories. The drivers who are covered are normally those who will fit the profile that merits the highly risky automobile insurance rates.

The amount of risk is normally judged according to some certain driving tendencies and habits.

If you have a tendency of getting many tickets or being involved in numerous motor vehicle accidents, then you will be considered as a highly risky driver and you may require high-risk car insurance.

In general, the following conditions are used to determine the drivers who may fit into this insurance cover:

  • Numerous traffic tickets
  • Involved in an accident where you were found liable
  • Poor overall driving record
  • Serious traffic offenses such as Driving Under the Influence of drugs or alcohol (DUI)
  • You drive a high-performance sports car

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Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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Exceptions in Risk Automobile Insurance

If you find that you fall among the above-listed categories, you can be certain that you will really need some high-risk car insurance.

Since insurance companies will deem you to be a risky driver, they will only insure you under the high-risk category.

Apart from the above, there is an exception to risk car insurance. This is because this service will also cover those drivers who:

  • Cannot find the necessary coverage due to their poor records
  • Have not been able to meet all the requirements for eligibility with some of the major providers of car insurance

These risk pools will also be charged at the same rates as high-risk motor car insurance.

Finding Cheaper High-Risk Car Insurance

After you have established that you are defined as a high-risk driver, you will need to check the different high-risk car insurance firms that will cover your car.

This will certainly be a hassle but since there are many such firms, you will be able to locate the one that will suit you best.

Just check the different insurance companies on the internet and you will manage to locate the best of these firms depending on your own particular case.

A number of high-risk vehicle insurance companies will offer some discounts on the premiums you have to pay.

This only happens occasionally and just in some special instances.

Still, you may want to know what is involved so that you may find these firms since this is one of the ways you can make get cheap auto insurance cover.

Frankly, you are just going to pay higher rates. Still, keep these points in mind for getting better rates on coverage in the future:

  • Your credit history will be checked. In case your credit score is good, you may be given a discount by the insurance firm
  • Select the type of car that is cheap to insurance. Safer makes of motor vehicles will enable you to get greater discounts on your risk car insurance
  • Check for risk car insurance options online

There are many different insurance firms and most of them will maintain websites. Their rates also differ. This means that if you check online, you will get a quote.

Then, after you consult with a salesperson from that firm, the online quote will normally be lowered further.

Enrolling for multiple policies will also lower your risk auto insurance in some cases. However, you need to check that the particular firm you have selected offers multi-policy insurance premium discounts.

Buying High-Risk Car Insurance

There are many other ways of reducing the amount you will pay for risk motor vehicle insurance cover. You just need to go online and do some research.

There are even insurance company websites that will offer you excellent straight-forward tips on getting cheaper high-risk car insurance.

This means that you can be certain to still be covered at a lower cost than someone who just signed on an insurance policy without conducting enough research.

To find the best high-risk insurance, enter your zip code to compare high risk car insurance quotes now!

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