How to Get Car Insurance as a High-risk Driver

People often switch companies and policies to get the best policy and the cheapest premium. However, this may not be the best idea for a high-risk driver, for someone with multiple tickets or accidents, or a Driving While Intoxicated (DWI) or Driving Under the Influence (DUI) conviction. Follow the steps below to get car insurance if you have a less than sterling driving record.

Difficulty: Moderately Easy

Instructions

Things You'll Need:

• Computer
• Telephone
• Driver's license

1. Check your Department of Motor Vehicles (DMV) record. This will give you a sense of exactly what your driving record looks like.

2. Make sure you pay your fines for every pending violation. Contact your DMV afterward and clear your history of violating laws.

3. Collect information from the DMV and other auto experts on how to improve driving skills and get out of the high-risk category.

4. Switch to a low-value vehicle to lower your premium.

5. Go online or pick up the phone directory and look for agents of top insurance companies. Call the agents and tell them what exactly you need in insurance coverage. Discuss the matter from all angles and ask for quotes from the companies.

6. Take a safety course in driving. This may lower your premium.

7. Get a vehicle with automatic seat belts and airbags, which can help you get a discount on a high-risk driver’s insurance premium.

8. Select the company that offers the most coverage for high-risk drivers at comparatively lower premium. Bargain for the best deal.

9. Read the policy details carefully before signing the necessary documents. Make sure almost all the crucial aspects are covered in the policy.

Tips & Warnings

• A majority of states have enacted Administrative License Revocation (ALR) laws. These laws empower state officers to confiscate the license of drunk drivers when they refuse to take a breath test for alcohol.
• Getting more than one car registered under one name can also help in getting a discount on a high-risk driver’s insurance premium.

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