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3 Things to Know if You Need High-Risk Auto Insurance

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If you have a poor driving history, a history of claims, or DUI charges on your record, you are probably a high-risk driver. High-risk drivers pay higher rates for insurance coverage, but there are still ways you can save money on coverage. If you fall into this category, here are three things you should know as you shop for high-risk insurance.

1. What It Means to be a High-Risk Driver

Being labeled a high-risk driver is something insurance companies do when you have a record of claims and driving violations. What this means is that you have a higher chance of getting in a car accident and filing a claim for it than other drivers. Insurance companies view you as a high-risk for these things and predict they must account for the added risks by charging you more for your premiums. You should expect to pay more for your insurance because of this label.

2. How to Comparison Shop

As a high-risk driver, you can and should comparison shop for your car insurance. You should ask a lot of questions when shopping for coverage, and you should consider dropping your coverage types. If you can drop some coverage types or raise the deductibles on your policy, you will notice that the prices for premiums drop. Comparison shopping and reducing your coverage are two of the best ways to find the auto insurance coverage you can afford.

3. What to Do If You Need SR-22 Coverage

If you are a high-risk driver, there is a chance you might need to buy SR-22 car insurance. You do not have to do this unless you are told to, though. SR-22 is a form you purchase with a car insurance policy, and it states that you have auto insurance coverage. If you need this protection, you cannot avoid buying a policy that includes it. If you do, the DMV will know and they will act. The main thing the DMV does in these cases is revoke driving privileges. Therefore, you must buy the coverage if you want to have a valid driver's license.  

You might be a high-risk driver right now, but you won't always be one. If you focus on avoiding tickets, accidents, and driving violations, you can start working towards a clean record. To get a quote for high-risk coverage, contact a local insurance agent and ask for a quote for high-risk insurance.