understanding your insurance policy

Auto Insurance Coverage For High-Risk Drivers

4 January 2023 by Tuĝba Van Den Heijkant

Auto insurance can be tricky on its own, but when you're considered a high-risk driver, it's even more complicated.

High-risk drivers are often referred to as "high-risk" because they've either been involved in an at-fault accident or have multiple traffic violations on their driving record. They're also often younger drivers with little experience behind the wheel. 

If you have been labeled as a high-risk driver, you're not out of luck. Here's what you should know about auto insurance coverage.

Why Are High-Risk Drivers More Expensive to Insure?

High-risk drivers are those who are considered more likely to get into an accident or make a claim on their auto insurance policy. Because of this, insurance companies will charge them a higher premium to protect themselves from the additional risk.

Still, you need protection. You need car insurance to drive legally in most states, and the good news is that there are ways for high-risk drivers to get coverage.

What Are Your Auto Insurance Options as a High-Risk Driver?

High-risk drivers can still find auto insurance coverage. Many insurers offer high-risk policies that allow you to get the coverage you need while paying an appropriate premium for the risk associated with your driving record.

Another option is to look for a company that specializes in high-risk drivers. These companies may offer lower rates than traditional insurers, as they understand the challenges of being labeled as a higher-risk driver.

Finally, some states require insurers to provide auto insurance coverage to all drivers, regardless of their driving record. This is known as an assigned risk policy, and it can be a good option for high-risk drivers who are having difficulty finding coverage.

What Should You Consider When Shopping for Auto Insurance?

Regardless of your driving record, there are certain things you should consider when shopping for auto insurance. Always make sure to shop around and get quotes from multiple companies to find the best deal.

You should also look for discounts that could help lower your premium, such as multi-car or multi-policy discounts if you have more than one car or another type of insurance policy.

Finally, you might pay less on a premium if you agree to take a defensive driving course.

Contact an Auto Insurance Company

If you're having trouble finding auto insurance coverage, it might be time to reach out to an auto insurance company. A licensed agent or representative can answer any questions you may have about your options as a driver who may be deemed high-risk.

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