What is High Risk Auto Insurance?

If you have a less-than-stellar driving history, it may be harder for you to find car insurance. You likely fall into the high-risk driver category and therefore need high risk auto insurance to match. At SafeAuto, we have specialized in this type of car insurance coverage for over 25 years.

high risk auto insurance

All auto insurance companies assign a risk level to drivers based on several factors, including but not limited to, driving history, age of driver, and vehicle use. High risk auto insurance is a non-standard type of insurance that is often assigned to those drivers who are considered high-risk.

Though your driving and claims record are the primary factors used by insurance companies to determine “risk level”, other factors include:

If you have been classified as a high-risk driver, below is a list of some actions that you can take that may help lower your risk classification.

Taking a defensive driving course before your ticket has been reported to your car insurance company may help. Not only will it look good, you will also learn defensive driving techniques that will help to prevent future accidents and keep you safe on the road. Head to our blog for some safe driving tips.

Your violations won’t last forever. If your violations are causing you to be classified as high-risk, you can wait until they expire and then re-evaluate. You may no longer be deemed high-risk and your premium may possibly be significantly reduced.

Since insurance companies pull credit scores, improving your credit score may make you appear more financially responsible. Improve your credit score and your premiums may decrease. For tips on how to improve your credit score, head to myfico.com.

If you are searching for car insurance for high-risk drivers, SafeAuto may be able to help. We specialize in providing automobile insurance coverage for drivers with less-than-stellar driving records. We can also help you obtain an SR-22 if needed and can provide affordable car insurance. Get a free quote online or call us at 1-800-SAFEAUTO (1-800-723-3288).

 

 

SR-22: Everything You Wanted to Know

SR-22 insurance, or an SR-22 (meaning State of Responsibility), is a certification issued by your car insurance company showing proof that you are carrying the minimum liability coverage required by your state. If you have been involved in an accident and were not carrying minimum car insurance, most state DMVs will require you to hold an SR-22. SR-22s can also be required for other types of traffic offenses.

Everything You Wanted to Know About An SR-22

While each state has its own requirements, examples of circumstances that frequently require an SR-22 include:

Each state has its own requirements for the length of time that an SR-22 must be in place. As long as you pay the required premium and keep the policy active, the SR-22 will remain in effect until the requirements for your state have been met. If your policy is canceled while you are still required to carry an SR-22, your insurer is required to notify the state authorities, which may result in suspension of your driving privileges. Your insurance company will provide the state with advance notice before canceling your coverage. If you do allow the coverage to cancel, your insurer will file an SR-26 with the state, indicating that your policy is no longer in effect.

Most states require a small filing fee when an SR-22 is first filed. There is usually no fee to renew an SR-22, unless you have allowed your policy to lapse. An SR-22 is filed for a specific driver, so if there are additional drivers on your policy, you will need an SR-22 for each driver. 

SafeAuto can help you get the SR-22 documentation you need to be able to legally drive again. Call a dedicated SafeAuto customer service representative at 1-800-SAFEAUTO (1-800-723-3288) to request an SR-22 to be filed anytime, 24 hours a day, 7 days a week. SafeAuto provides free car insurance quotes to all drivers.

Note: Not available in all states and situations.

Mistakes happen and an SR-22 is one of the last steps to get you back on the road. If you have an SR-22 and have questions, give SafeAuto a call and let our trained customer services representatives assist you.

These 9 Things Determine Your Car Insurance Rate

It can be confusing when you get car insurance quotes from multiple insurance companies and get a different rate every time. And though it may be seem like your rate is chosen at random, in reality, car insurance companies like SafeAuto determine rates using sound statistical data to determine how much of a risk an individual would be. They then use this risk to calculate how much to charge that customer.

factors that determine car insurance rates

This is not an exhaustive list, but the DMV has a list of factors that help insurers determine rates:

If you are considered more likely to file a claim due to your own fault, you are likely to pay more in insurance premiums. Curious who gets the cheapest car insurance rates? Head over to the DMV’s website.

If you are quoted higher insurance rates than you would like to pay, there may be ways you can lower them. You can: 

If you would like to lower your current rate with your current insurance company, give them a call as they may have other ways to help you lower your car insurance rates. Get a free quote from SafeAuto online or by calling 1-800-SAFEAUTO (1-800-723-3288). You could save up to 25% in as little as 3 minutes.

These 9 Things Determine Your Car Insurance Rate

It can be confusing when you get car insurance quotes from multiple insurance companies and get a different rate every time. And though it may be seem like your rate is chosen at random, in reality, car insurance companies like SafeAuto determine rates using sound statistical data to determine how much of a risk an individual would be. They then use this risk to calculate how much to charge that customer.

factors that determine car insurance rates

This is not an exhaustive list, but the DMV has a list of factors that help insurers determine rates:

If you are considered more likely to file a claim due to your own fault, you are likely to pay more in insurance premiums. Curious who gets the cheapest car insurance rates? Head over to the DMV’s website.

If you are quoted higher insurance rates than you would like to pay, there may be ways you can lower them. You can: 

If you would like to lower your current rate with your current insurance company, give them a call as they may have other ways to help you lower your car insurance rates. Get a free quote from SafeAuto online or by calling 1-800-SAFEAUTO (1-800-723-3288). You could save up to 25% in as little as 3 minutes.