Cheap High Risk Auto Insurance

Cheap High Risk Auto Insurance

Cheap high risk auto insurance is a big ask!


Sorry to be the bearer of bad news, but it almost goes without saying that if you need high risk car insurance, you are going to have to pay the big bucks.


High risk car insurance is usually the result of either making too many claims or getting too many tickets from speeding or other traffic violations.

If you've had a number of moving violations (shame on you :-) ) you are probably going to notice a hefty spike in your insurance rates.


Add a few accident claims to the mix and your previous insurer may not even be willing to renew your policy.


What can you do?


Unfortunately, if that's the situation in which you find yourself, you probably won't be able to find an insurance quote that you will consider "cheap" no matter how hard you look.


However, you can reduce the damages by taking a few steps that will make you more "appealing" to a car insurance provider and in so doing, bring down that high risk rate considerably.


  1. Take a defensive driving or drivers safety course. If you can show the insurer that you have taken steps to become a better and safer driver, they may take that into consideration when determining your premium.


  2. Choose what is considered a "safe" car. Insurance companies view high performance vehicles as risky. The temptation to test the limits must scare them. If you already have a couple of strikes against you, getting a low key vehicle will be in your favor.


  3. Limit the amount of miles you drive. If you can reduce your driving distance to a bare minimum for the year, the insurer will feel less apprehensive. They often give discounts for low mileage drivers.


  4. If you are a student, trot out your good grades. Good grades are appealing to insurance companies. They look at them as a sign of responsibility and good sense. If you don't have good grades, work to get them for future discounts.


Sorry I can't give you better news than that. Cheap high risk auto insurance is hard to come by.


Your best bet is to get several different free quotes from the online quote services, but be sure to mention specifically anything you have to your advantage. This is one time when you really need to sell yourself if you want to save some money. Good luck!


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