How to Buy High Risk Car Insurance

If you fall into the category of a high risk driver, then you definitely know how hard it can be to buy high risk car insurance!

Click Here to Find the Lowest High Risk Car Insurance Rates

Car insurance companies like insuring drivers with good driving records, good credit, multiple policies and a clean claims history. But what do you do if you have a DUI, average to poor credit, you don’t own your home and you’ve had a few accidents in the past?

What is High Risk Car Insurance?

You’re part of the growing pool of drivers known as ‘high risk’ or non-standard risk (insurance-company speak). You have a few claims for at-fault accidents, you might have a DUI or a reckless driving conviction (or two), or maybe you just have a heavy foot and have racked up quite the collection of speeding tickets over the last 3 years.

Whatever the reason, you will now buy high risk car insurance until your convictions are older, your claims are history and your driving record is nearly spotless.

High risk car insurance is actually a somewhat vague term that doesn’t have definable “boundaries”. Different car insurance companies have different guidelines that would qualify you as a high risk driver, so it’s important when shopping for high risk car insurance to get comparison rate quotes from many different companies. What qualifies you as high risk with one company may not qualify you as high risk with another.

How to Buy High Risk Car Insurance

The easiest way to buy non-standard car insurance is to use our quick quote form. Our condensed form is fast to complete, and will get you multiple rate quotes for high risk car insurance in your area. It’s faster and easier than contacting each company individually.

Click Here to Find the Cheapest High Risk Car Insurance Rates

Again, the key to finding the best price on car insurance is to compare as many companies as you can and make sure you coverages are identical. Don’t let companies lower your coverage in an attempt to get your business. The only way to fairly compare rates is to have apples-to-apples coverages and limits.

Not all insurance companies will offer rates for your coverage. Some companies won’t even insure drivers with a DUI conviction, and too many speeding tickets can disqualify you from coverage with some companies.

Some companies thrive on insuring high risk drivers however. Since they specialize in high risk car insurance, they are more apt to underwrite and accept business from drivers with multiple claims, DUIs, or moving violations.