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.

Why You Need Renters Insurance If You’re a Renter

You buy insurance for your car and your health, so why not for your stuff? Whether you live in a small studio or a huge duplex, it’s important to protect your belongings, your house guests, and yourself in case the unexpected happens. If a fire or flood destroyed your things, would you be able to afford replacements? Renters insurance can help.

Why You Need Renters Insurance If You’re a Renter

Even though your landlord has insurance on your building, that protection does not extend to your personal belongings. Renters insurance policies can differ, but you can expect a typical policy to cover:

Your stuff is probably worth more than you think it is. The average renter has somewhere around $30,000 in personal property yet only 40% of renters have renters insurance. When you consider all the clothing, furniture, electronics, jewelry, and more that you own, would you be able to afford to replace it if something happened?

When disaster strikes, it is often unexpected and brings with it unexpected costs. Minimize your out-of-pocket expenses from:

Purchasing renters insurance is quick, easy, and affordable. Have we mentioned it’s affordable? Get a renters insurance quote from Safe Auto Group Agency and gain peace of mind knowing your personal belongings are protected.

*This is only a general description of coverage and is coverage is subject to terms, provisions, exclusions, and conditions.

Why You Need Renters Insurance If You’re a Renter

You buy insurance for your car and your health, so why not for your stuff? Whether you live in a small studio or a huge duplex, it’s important to protect your belongings, your house guests, and yourself in case the unexpected happens. If a fire or flood destroyed your things, would you be able to afford replacements? Renters insurance can help.

Why You Need Renters Insurance If You’re a Renter

Even though your landlord has insurance on your building, that protection does not extend to your personal belongings. Renters insurance policies can differ, but you can expect a typical policy to cover:

Your stuff is probably worth more than you think it is. The average renter has somewhere around $30,000 in personal property yet only 40% of renters have renters insurance. When you consider all the clothing, furniture, electronics, jewelry, and more that you own, would you be able to afford to replace it if something happened?

When disaster strikes, it is often unexpected and brings with it unexpected costs. Minimize your out-of-pocket expenses from:

Purchasing renters insurance is quick, easy, and affordable. Have we mentioned it’s affordable? Get a renters insurance quote from Safe Auto Group Agency and gain peace of mind knowing your personal belongings are protected.

*This is only a general description of coverage and is coverage is subject to terms, provisions, exclusions, and conditions.

Roommates & Renters Insurance

If you’re a renter, you need to consider renters insurance. Renters insurance can help with the costs if your stuff is lost or damaged. There is no one-size-fits all renters insurance policy so it’s smart to calculate how much it would cost to replace all of your belongings in the event of a total loss. If you have a roommate (or two, or three), this can be a bit trickier.

Roommates & Renters Insurance

First things first, you need to be on good terms with your roommate(s). Sharing a renters insurance policy will require you to work closely with your roommates to decide how much coverage you need and how you will handle a claim if it were to happen. If one of you moves out, you will both need to approve removing a name and if a check is ever cashed, it is likely all named on the policy will be named on the check, which means you will all have to be present to cash it at a bank (or be willing to sign it over).

It may seem like common sense, but if you want a renters policy to cover your belongings, you will need to be named on the policy. If you move into an apartment with someone who already has a renters policy, your stuff will not be covered if you need to make a claim. Before getting added to the policy, contact the insurance company to ensure that two or more unrelated adults can be named on the same policy. If not, you will want to get your own coverage.

Make sure you are considering the cost of your belongings plus any roommates before setting the amount your policy covers. For example, if your roommate has $10,000 worth of belongings and you have $20,000 worth, make sure your policy covers $30,000. When calculating how much everyone who is named on the policy should pay, consider splitting the premium by coverage amount. Using the same example as above, you would be paying 2/3 or the premium and your roommate would pay 1/3.

Another thing to consider before sharing a policy is that you will also be sharing insurance histories. Depending on your independent insurance histories, when you share a policy, any claims your roommate has made in the past could impact the rate on your policy. This works conversely, if your roommate’s belongings are stolen and he or she makes a claim, you are also responsible for that claim even though your belongings are still intact.

Whether you decide to purchase a renters insurance policy with your roommate(s) or alone, Safe Auto Group Agency can help. Get a free quote for the right renters insurance policy for the right price and cover your belongings for pennies a day.

Roommates & Renters Insurance

If you’re a renter, you need to consider renters insurance. Renters insurance can help with the costs if your stuff is lost or damaged. There is no one-size-fits all renters insurance policy so it’s smart to calculate how much it would cost to replace all of your belongings in the event of a total loss. If you have a roommate (or two, or three), this can be a bit trickier.

Roommates & Renters Insurance

First things first, you need to be on good terms with your roommate(s). Sharing a renters insurance policy will require you to work closely with your roommates to decide how much coverage you need and how you will handle a claim if it were to happen. If one of you moves out, you will both need to approve removing a name and if a check is ever cashed, it is likely all named on the policy will be named on the check, which means you will all have to be present to cash it at a bank (or be willing to sign it over).

It may seem like common sense, but if you want a renters policy to cover your belongings, you will need to be named on the policy. If you move into an apartment with someone who already has a renters policy, your stuff will not be covered if you need to make a claim. Before getting added to the policy, contact the insurance company to ensure that two or more unrelated adults can be named on the same policy. If not, you will want to get your own coverage.

Make sure you are considering the cost of your belongings plus any roommates before setting the amount your policy covers. For example, if your roommate has $10,000 worth of belongings and you have $20,000 worth, make sure your policy covers $30,000. When calculating how much everyone who is named on the policy should pay, consider splitting the premium by coverage amount. Using the same example as above, you would be paying 2/3 or the premium and your roommate would pay 1/3.

Another thing to consider before sharing a policy is that you will also be sharing insurance histories. Depending on your independent insurance histories, when you share a policy, any claims your roommate has made in the past could impact the rate on your policy. This works conversely, if your roommate’s belongings are stolen and he or she makes a claim, you are also responsible for that claim even though your belongings are still intact.

Whether you decide to purchase a renters insurance policy with your roommate(s) or alone, Safe Auto Group Agency can help. Get a free quote for the right renters insurance policy for the right price and cover your belongings for pennies a day.

Do You Need Rental Car Insurance?

If you have ever traveled and needed a rental car, you probably experienced the fear-driven sales pitch at the rental car counter. It may seem like you need rental insurance if something happens to your rental, but if you have auto insurance already, that coverage also applies to your rental car, subject to your policy terms and conditions. The amount of coverage you will have in your rental will depend on the amount of coverage on your current car insurance policy. If you plan to rent a car, make sure you double-check your own car insurance policy first.

rental car insurance

Once you have a clear understanding of your current auto policy, you can decide what type of rental car insurance coverage you may need.

Liability coverage: This coverage will kick in if you damage another’s car or property while in your rental vehicle. If you have sufficient liability car insurance, you are already covered (after your deductible).

Loss damage waiver: Sometimes called a collision damage waiver, this type of coverage will cover you in the event there is any damage to the rental vehicle or theft. If you have comprehensive and collision on your current auto insurance policy, you will be covered for this type of damage or theft (after your deductible).

Personal effects coverage: This coverage pays for your belongings if they are stolen form the rental car (up to a set amount). If you have homeowners or renter’s insurance, you are protected. If you do not have either of these coverages and are driving around with valuables, this coverage may help depending on the type of policy you purchased.

Personal injury protection: If you are involved in an accident, this coverage will cover you in the event you or your passengers were injured in an accident (including ambulance, medical care, and death benefits). If you have health insurance and a life insurance policy, you don’t need to tack this coverage on. You are also covered if you already have personal injury protection on your auto policy.

Though your own car insurance policy will protect you while driving in your rental, there are still cases where purchasing car rental insurance is a smart move.

If you are renting a car with a major credit card, keep in mind you may be able to take advantage of free insurance coverages. The coverage is likely limited and may vary from card to card, but it’s still worth knowing what you may be eligible for.

If you are still not sure what type of rental car insurance you may need, if any, reach out to your car insurance provider as they may be able to assist you. For tips on car rentals, read our blog posts on 15 Tips For Saving Money On Your Next Car Rental and The 10 Most Common Rental Car Insurance Pitfalls.

If you are still not sure what type of rental car insurance you may need, if any, reach out to your car insurance provider as they may be able to assist you. For tips on car rentals, read our blog posts on 15 Tips For Saving Money On Your Next Car Rental and The 10 Most Common Rental Car Insurance Pitfalls.

Homeowners Insurance 101

Homeowners insurance can help protect your home including the structure, the belongings inside, and the cost of medical expenses if someone is injured on your property. When you purchase a homeowners policy, you are buying “coverages”, which are the things your insurer agrees to pay for.

homeowners insurance

Your deductible, as it is stated in your policy, is the amount you will owe if your home is damaged or you file a claim. For example, if your deductible is $500 and lightning strikes your house, causing $10,000 in damage, you will pay your $500 deductible before your insurance company pays the remaining $9,500.

Unlike health insurance, your homeowners deductible applies for most claims, no matter how many you have per year.

Deductibles for a homeowners insurance policy typically range from $500 to $5,000.

The higher your deductible, the more you will have to pay before your insurance company pays. This means you will have a lower overall rate, but you will pay more out-of-pocket costs. Vice versa, if you have a lower deductible, you will have a higher rate but pay less out-of-pocket.

Though it varies state to state, there are standard coverages that most states offer:

Dwelling coverage includes anything that is attached to your house, such as a garage, chimney, roof, cabinets, flooring, etc.

Other structures that may be covered by your policy include those not attached to your house, such as detached garages, sheds, fences, driveways, etc.

Personal property coverage covers your stuff if it is damaged or stolen. This includes things like your laptop stolen from your car or décor stolen from your front porch. Commonly covered belongings are:

Personal property coverage covers your stuff if it is damaged or stolen. This includes things like your laptop stolen from your car or décor stolen from your front porch. Commonly covered belongings are:

If your home is uninhabitable due to a covered loss, loss of use coverage will pay for a hotel/rent expenses as well as food while you are displaced.

Homeowners Insurance 101

Homeowners insurance can help protect your home including the structure, the belongings inside, and the cost of medical expenses if someone is injured on your property. When you purchase a homeowners policy, you are buying “coverages”, which are the things your insurer agrees to pay for.

homeowners insurance

Your deductible, as it is stated in your policy, is the amount you will owe if your home is damaged or you file a claim. For example, if your deductible is $500 and lightning strikes your house, causing $10,000 in damage, you will pay your $500 deductible before your insurance company pays the remaining $9,500.

Unlike health insurance, your homeowners deductible applies for most claims, no matter how many you have per year.

Deductibles for a homeowners insurance policy typically range from $500 to $5,000.

The higher your deductible, the more you will have to pay before your insurance company pays. This means you will have a lower overall rate, but you will pay more out-of-pocket costs. Vice versa, if you have a lower deductible, you will have a higher rate but pay less out-of-pocket.

Though it varies state to state, there are standard coverages that most states offer:

Dwelling coverage includes anything that is attached to your house, such as a garage, chimney, roof, cabinets, flooring, etc.

Other structures that may be covered by your policy include those not attached to your house, such as detached garages, sheds, fences, driveways, etc.

Personal property coverage covers your stuff if it is damaged or stolen. This includes things like your laptop stolen from your car or décor stolen from your front porch. Commonly covered belongings are:

Personal property coverage covers your stuff if it is damaged or stolen. This includes things like your laptop stolen from your car or décor stolen from your front porch. Commonly covered belongings are:

If your home is uninhabitable due to a covered loss, loss of use coverage will pay for a hotel/rent expenses as well as food while you are displaced.

How to Prepare for Hurricane Season

The transition from summer to autumn signals the peak of hurricane season. If you live in a coastal area, you could be affected by a hurricane; a massive storm system that forms over warm ocean waters before moving toward land. Potential dangers of hurricanes include heavy rainfall, powerful winds, flooding, rip currents, and even landslides.

hurricane safety hurricane harvey

It’s very important to know your area’s risk of hurricanes. If you live somewhere with a moderate to high risk, sign up for your community’s warning system so you will be alerted immediately if a hurricane threat arises. You can also download the FEMA mobile app to receive alerts, safety reminders, and shelter information in the event a hurricane strikes. Based on your location, formulate an emergency evacuation and/or shelter plan and get familiar with your plan by practicing.

Other things you can do to prepare for a hurricane are:

When a hurricane hits, stay indoors. If you are instructed to turn off your power and water mains, go ahead and do so. If you encounter flood waters, avoid them because they may by contaminated with sewage. Stay up-to-date by listening to your local area radio.

If you are outdoors, do not attempt to walk or swim through floodwaters. It only takes 2 feet to float your car, so do not attempt to drive through any standing water. If you are instructed to evacuate, evacuate.

If you have evacuated, wait until you receive the OK from the authorities before returning to your home. Continue monitoring your local news and remain alert as extended rainfall and subsequent flooding could still occur. Avoid drinking tap water until you are sure it is free of contaminants and be sure to photograph any damage to your property. If you have been affected by a hurricane, there are resources that may be able to help.

For more information about to prepare for hurricane season, head over to ready.gov/hurricanes. If your vehicle or property are damaged by a hurricane, contact your insurance company as soon as possible to begin a claim. If you are covered by SafeAuto, you can reach us 24 hours a day, 7 days a week by calling 1-800-SAFEAUTO (1-800-723-3288).