Cheap car insurance for high risk drivers

Searching for cheap auto insurance for high risk drivers? As you may already know, insurance companies charge high risk drivers higher premiums. Although difficult, finding cheap auto insurance is not impossible.

Click here to find cheap auto insurance by comparing quotes online – you could save $$$

Who is considered a high risk driver?

A number of factors are used by insurers when determining if a driver is high risk. The most important ones are – age and experience, driving history and credit rating.

Teen drivers – insurance experts say that in a huge % of all accidents, teen drivers are at fault. Its hardly surprising that insurers put drivers lacking experience in the high risk category. Insurance premiums for teenage boys in particular are quite high, especially for those driving faster cars.

Senior citizens – society generally accepts people as senior citizens when they are over 65 years old. Some people suggest, that senior drivers rarely drive fast cars and have a lot of experience. Yet, insurance experts reveal that older drivers are involved in accidents quote often.

Drivers with bad driving history – when insurance premiums are calculated, driving history still plays an important part. If you have been caught driving without insurance, driving under the influence of alcohol, have a few traffic violations or you have been at fault for an accident, you can fully expect to pay more. You may be required to have SR22 or in some cases even FR44 as part of your policy.

Low credit rating – the use of credit score by insurance companies is seen as unfair by many people. Fair or not, credit rating is used by more and more insurance companies every year. People who pay their bills on time are considered as less of a risk.

Can high risk drivers really find cheap car insurance?

Some may argue that is is simply impossible to find cheap car insurance for high risk drivers, but that’s not true.

For young drivers, the most important think to pay attention to is keeping a clean driving record. If you are at school or college, maintaining good grades can lower your premiums.

Its extremely important to obey the law. Don’t drive under the influence of alcohol and never drive with no insurance – its common sense. Don’t allow your insurance policy to lapse if you are required to file SR22 – your license will be suspended.

You will pay less for your auto insurance if you drive a car with more safety features, which is considered as “insurance friendly”.

Senior drivers and inexperienced drivers alike, can lower their premiums by taking a defence driving course.

Comparing quotes online is most likely the easiest possible way for high risk drivers to find low cost auto insurance.

Getting quotes from at least 3 insurance companies is what insurance experts recommend. You may be shocked by the rate difference.

Compare quotes and find cheap car insurance for high risk drivers now!