If you are a high risk driver, there are still options for you regarding your car insurance coverage. A high risk driver can mean several different things. It can refer to a new driver, likely a teenager, who is just getting their first license. It can also refer a person who has had previous violations or accidents. A high risk "felony driver" as it is called can be someone who has a DUI or other alcohol related offense on their record. Don't fret though, there are insurance options for you, although it may be pricey due to the high risk. Here are some ways to get some insurance, and then get a cheaper rate.
Step 1: Search for Quotes
You will first want to find a provider, which can be done easily on the Internet. You can find various quotes on sites like Progressive, and Esurance. You will have to provide some general information about yourself as well as your driving history. For your complete driving history, you can contact your local Department of Motor Vehicles.
Step 2: Pick a Plan
Once you find a provider, you must pick a plan for coverage. At first, you will notice coverage will probably be above average. This is because being a high risk driver means you have a higher chance of needing the insurance company in the future. Because of that, you get charged higher rates. However, the next steps are ways to get lower insurance rates and premiums.
Step 3: Good Driver Discount
If you have been a high risk driver, the easiest way to get lower rates is to be a good driver, and stay that way. It takes time, but if you can string together a few years of no accidents, you will most likely qualify for the "good driver discount", which can save you hundreds of dollars.
Step 4: Defensive Driving Course
Taking a defensive driving course is the best way to lower your insurance rates. These courses can normally take off 10 to even 20% off your yearly rates, and they are good for two to three years depending on your state's policy. A defensive driving course will also help you learn some new and safe driving techniques to lower your overall risk. A new teenage driver can also take a similar course called driver's education. It also gets you an insurance reduction, but it also lets you experience driving on the road with a certified driving instructor.
Step 5: Safe Cars
If you have a chance to change the type of car you have, this can be an easy way to get a lower rate. The more expensive your car is, the more insurance will likely be. This is because expensive cars are usually a lot of money to fix when they are in accidents. If you can get by with an older model, even a used car, you will be paying less. If you have to go with a new car, pick a car with high safety accolades and many safety features.