What You Should Know About High-Risk Car Insurance
What You Should Know About High-Risk Car Insurance
High-risk automobile insurance, or what is known as “non-standard automobile insurance” in the industry, is insurance coverage you may be forced to buy if it is determined you are more likely to get into an accident and file a claim than other drivers. There are a variety of reasons you may be required to obtain high-risk auto insurance. These can include multiple at fault accidents, multiple speeding or reckless operation citations and/or driving under the influence convictions.
There are two ways to comply with the need for high-risk insurance. You may be able to purchase insurance through a traditional car insurance company, but at higher rates. If that is not possible, you may have to get a non-standard policy which may have coverage or driving limitations. Either way you should be prepared to pay more.
The potential for having to purchase high-risk insurance is one of the reasons it is important to develop safe driving habits and to keep track of any points on your driving record. Even so-called “normal” drivers can fall into a high-risk category if points get away from them, if they get a speeding ticket that may fall into the “reckless driving” category or if they have one too many cocktails at the office party. It can become very expensive.
The good news is that even if you fall into a high-risk or non-standard category, you can still have auto insurance companies compete for your business. Since our independent insurance agents represent the products of a variety of companies, we can seek out the best coverage and rates for your particular circumstance. There is no cost or obligation to get a quote so call us today.
Focus on your defensive driving skills, don’t drive while distracted and try to obey all traffic laws. Of course, never drive while impaired. It just may pay dividends in lower automobile insurance rates for you and your family. There are likely better things you can do with your money! Contact us to compare.
Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder
Search All Blogs
Search All Blogs
Read More Blogs
Step Back in Time: 7 Small Towns with Unique American Atmospheres
Discover America’s most atmospherically unique small towns.
Beyond the Bar: Customer Service Lessons from the Best Bartenders
Unlock customer service secrets from your favorite bartender.
Your Safety Net Has a Safety Net: Understanding the Life Insurance “Free Look” Period
Discover your life insurance policy’s “free look” period.
From Edsel to Yugo: Three Automotive Flops That Made History
The biggest blunders in automotive history.
Stay or Go? Why Improving Your Current Home Might Be Your Best Move Yet
Love your home, don’t leave it! Discover why improving beats moving.
The Unforgettable Eight: Women Who Captured Our Hearts
Meet the eight women who are loved by all.
Elevate Your Enterprise: 11 Smart Ways to Boost Business Professionalism
Boost your business’s professionalism without breaking the bank.
Lightening the Load: A Guide to Decluttering for Your Loved Ones
Declutter for peace of mind, yours and theirs.
Smart Car Buying: Beyond the Sticker Price
Unlock the hidden costs of car ownership.
6 Simple Steps to Supercharge Your Home Security
Simple, affordable ways to protect your home.