If you’re a high risk driver, finding affordable auto insurance can be a challenge. Insurance companies often see high risk drivers as a liability, which means higher premiums. However, there are ways to get cheap auto insurance even if you’re considered high risk. Here are some tips:
1. Shop Around
One of the best ways to get cheap auto insurance as a high risk driver is to shop around. Don’t settle for the first quote you receive. Instead, get quotes from multiple insurance companies and compare them. This will help you find the best deal and save money.
2. Look for Discounts
Many insurance companies offer discounts that can help you save money on your premiums. For example, you may be eligible for a discount if you have a good driving record, take a defensive driving course, or have multiple policies with the same company.
3. Consider Increasing Your Deductible
If you’re willing to take on more risk, you can save money on your premiums by increasing your deductible. Just make sure you have enough money set aside to pay your deductible if you need to file a claim.
4. Drive a Lower Risk Vehicle
The type of vehicle you drive can also impact your insurance premiums. If you’re a high risk driver, consider driving a lower risk vehicle. Cars that are less expensive to repair or replace, have good safety ratings, and are less likely to be stolen are usually cheaper to insure.
5. Avoid Accidents and Traffic Violations
One of the best ways to get cheap auto insurance as a high risk driver is to avoid accidents and traffic violations. Insurance companies see drivers with a history of accidents and traffic violations as a higher risk, which means higher premiums. By practicing safe driving habits, you can keep your premiums low.
6. Improve Your Credit Score
Your credit score can also impact your insurance premiums. If you have a low credit score, you may be seen as a higher risk and charged higher premiums. By improving your credit score, you can lower your premiums and save money.
7. Consider Usage-Based Insurance
Usage-based insurance is a type of auto insurance that tracks your driving habits and charges you based on how much you drive, when you drive, and how you drive. If you’re a high risk driver, usage-based insurance may be a good option for you. By driving safely and avoiding risky behaviors, you can save money on your premiums.
8. Ask About High Risk Insurance
Some insurance companies specialize in providing coverage for high risk drivers. If you’re having trouble finding affordable auto insurance, consider asking about high risk insurance. These policies may have higher premiums, but they can provide the coverage you need.
9. Consider a Telematics Device
A telematics device is a small device that you install in your vehicle that tracks your driving behavior. Insurance companies use this information to determine your risk level and set your premiums. By driving safely and avoiding risky behaviors, you can save money on your premiums.
10. Drive Less
The more you drive, the higher your risk of getting into an accident. If you’re a high risk driver, consider driving less to reduce your risk and save money on your premiums. You can carpool, take public transportation, or walk or bike instead of driving.
11. Consider a Higher Liability Limit
If you’re a high risk driver, you may want to consider a higher liability limit. This will provide more coverage in the event of an accident and can help protect you from financial loss. Just make sure you can afford the higher premiums.
12. Bundle Your Insurance Policies
If you have multiple insurance policies, such as home and auto insurance, consider bundling them with the same company. Many insurance companies offer discounts for bundling, which can help you save money on your premiums.
13. Consider Pay-Per-Mile Insurance
Pay-per-mile insurance is a type of auto insurance that charges you based on how much you drive. If you’re a high risk driver, pay-per-mile insurance may be a good option for you. By driving less and avoiding risky behaviors, you can save money on your premiums.
14. Ask About Group Insurance
Some organizations, such as alumni associations and professional organizations, offer group insurance plans. If you’re a member of one of these organizations, ask about group insurance. These plans may offer lower premiums and better coverage.
15. Consider a Higher Deductible
If you’re willing to take on more risk, you can save money on your premiums by increasing your deductible. Just make sure you have enough money set aside to pay your deductible if you need to file a claim.
16. Consider a Usage-Based Insurance App
Some insurance companies offer usage-based insurance apps that track your driving behavior and charge you based on how much you drive, when you drive, and how you drive. If you’re a high risk driver, a usage-based insurance app may be a good option for you.
17. Ask About Low Mileage Discounts
Many insurance companies offer low mileage discounts for drivers who don’t drive very much. If you’re a high risk driver who doesn’t drive very much, ask about low mileage discounts. These discounts can help you save money on your premiums.
18. Consider a Usage-Based Insurance Program
Some insurance companies offer usage-based insurance programs that track your driving behavior and charge you based on how much you drive, when you drive, and how you drive. If you’re a high risk driver, a usage-based insurance program may be a good option for you.
19. Consider a High-Risk Auto Insurance Company
Some insurance companies specialize in providing coverage for high risk drivers. If you’re having trouble finding affordable auto insurance, consider looking for a high-risk auto insurance company. These companies may have higher premiums, but they can provide the coverage you need.
20. Improve Your Driving Habits
The better your driving habits, the lower your risk of getting into an accident. If you’re a high risk driver, work on improving your driving habits. This can include things like avoiding distractions while driving, following traffic laws, and practicing defensive driving.
21. Consider a Defensive Driving Course
Many insurance companies offer discounts for drivers who take defensive driving courses. If you’re a high risk driver, consider taking a defensive driving course. This can help you improve your driving skills and save money on your premiums.
22. Ask About Accident Forgiveness
Accident forgiveness is a type of coverage that forgives your first accident and prevents your premiums from going up. If you’re a high risk driver who has had accidents in the past, ask about accident forgiveness. This can help you save money on your premiums.
23. Consider a Usage-Based Insurance Program with Safe Driving Rewards
Some usage-based insurance programs offer safe driving rewards that can help you save money on your premiums. If you’re a high risk driver, consider a usage-based insurance program with safe driving rewards. By driving safely and avoiding risky behaviors, you can save money on your premiums.
24. Consider a High-Risk Auto Insurance Policy
If you’re a high risk driver who can’t find affordable auto insurance, consider a high-risk auto insurance policy. These policies are designed for high risk drivers and offer the coverage you need. While the premiums may be higher, it’s better than driving without insurance.
25. Improve Your Credit History
Your credit history can also impact your insurance premiums. If you have a poor credit history, you may be seen as a higher risk and charged higher premiums. By improving your credit history, you can lower your premiums and save money.
26. Ask About Student Discounts
Many insurance companies offer discounts for students who maintain good grades. If you’re a high risk driver who is also a student, ask about student discounts. These discounts can help you save money on your premiums.
27. Consider a Usage-Based Insurance Program with Low Mileage Discounts
Some usage-based insurance programs offer low mileage discounts for drivers who don’t drive very much. If you’re a high risk driver who doesn’t drive very much, consider a usage-based insurance program with low mileage discounts. By driving less and avoiding risky behaviors, you can save money on your premiums.
28. Consider a Usage-Based Insurance Program with Safe Driving Discounts
Some usage-based insurance programs offer safe driving discounts for drivers who practice safe driving habits. If you’re a high risk driver, consider a usage-based insurance program with safe driving discounts. By driving safely and avoiding risky behaviors, you can save money on your premiums.
29. Consider a High-Risk Auto Insurance Broker
If you’re having trouble finding affordable auto insurance as a high risk driver, consider working with a high-risk auto insurance broker. These brokers specialize in providing coverage for high risk drivers and can help you find the coverage you need at a price you can afford.
30. Conclusion
Being a high risk driver doesn’t mean you have to pay high premiums for auto insurance. By following these tips, you can find affordable auto insurance and save money on your premiums. Remember to shop around, look for discounts, and practice safe driving habits. With a little effort, you can find the coverage you need at a price you can afford.