There are several things you need to know when shopping for high risk driver car insurance. Your first port of call should be an independent insurance agent or broker who is not assigned to any specific company who can give you unbiased advice. If you do not know of any such agent, try an Internet search or comparison site which can give you hints and tips on finding high risk insurance.
Your Record
Obtain a copy of your own driving history record from your local DMV office. They will have a record of any tickets or offenses that you may have and will send you this copy through the mail for you to keep. Check your record and find out if you do indeed fall into the category of High Risk.
Your Credit
If you have a good credit history, it will help when shopping for insurance of any kind. However, if your credit history is less than sparkling, you could end up in the high risk category just for having a poor record.
What to Look for in a Policy
Look for whether the insurer offers the right level of cover first. As you will need the legal minimum requirement before you even think of any extras, you will find that high risk insurance is a little harder to obtain based on that fact that you fall into that category. If you are deemed a high risk because you have DUI's, you may find that an underwriter will refuse to insure you.
If your credit history is putting you at risk, you will have certain payment conditions attached to a policy, so get some solid advice before you sign anything. Be aware of restrictions and conditions placed on a policy and also be aware of the level of cover you are offered for the money.
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