Best Auto Insurance Quotes For High-Risk Drivers

Best Auto Insurance Quotes For High-Risk Drivers

If you're a young or very old driver, had too many tickets or accidents, drive a car that is a favorite of thieves, live in an area with high crime rates, have bad credit (at some companies) or went without car insurance for period, the insurance companies only offer high risk car insurance to you. The insurance rates for this type of coverage frequently compete with the car  payment for the most out of your pocket every month.

There are ways to reduce the cost for high-risk drivers and get cheap car insurance.

• Look for discounts. Young high-risk drivers often reduce their rates with a good student discount and a driver's education discount. Those with muscle cars or targets for thieves need to install a car alarm or anti-theft device. Some companies offer senior discounts, other companies charge more for the elderly, find out which type of company you have. See if the company offers a multi-car discount.
• Consider switching to a more low profile car that thieves don't steal as frequently.
• Build a garage. Cars parked on the street are the higher risk of both collision and theft.
• Work on your record. Check for any unpaid tickets; take driving classes if they reduce the points on your license. Ask your agent if there are additional ways to move into the lower cost car insurance.
• Purchase both your auto insurance and homeowners through the same company and get a discount on your high-risk car insurance.
• Eliminate comp and collision. If you paid off your car, you have the option to remove those coverages. See whether the cost of the car, minus your deductible is close to the amount you pay on an annual basis. You might also consider dropping it if two years of payments equal the value of your car less the deductible.
• Compare rates. Companies set their rates by the loss ratio they experienced in a particular area, with the profile of a driver and type of car. Not all companies have the same losses, so not all companies have the same rates.

It pays to shop around to find cheap insurance. Most of the time, it's simpler to find quotes online from sites that carry the products of many companies. Filling out the quote form two or three times is a lot easier than calling every agent in your city.

Whatever you do, don't settle for less liability coverage if you want cheap insurance. Many times, high-risk drivers attempt to reduce the cost of their policy by only carrying the state minimums. This coverage frequently maxes out at $40,000 to $50000 bodily injury per accident, even if more three or four are injured. This is barely enough to pay the medical bills for a serious injury to one person, let alone three or four. The biggest savings for high-risk car insurance always comes from comparing insurance rates and not downgrading the policy.

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Best car insurance companies for high-risk car drivers

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GEICO
Geico Casualty is Geico’s subsidiary for high-risk drivers. You wouldn’t apply to the subsidiary — you’d apply to Geico like anyone else, and if the insurer considered you high-risk, you’d be assigned to that subsidiary. Geico is the nation’s second-largest car insurer based on direct premiums written in 2016 and is available in all states and Washington, D.C.
Headquarters:
Chevy Chase, Maryland, United States
Phone: 800-841-3000
Get Quotes: www.geico.com
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TITAN INSURANCE
Titan is a nonstandard subsidiary of Nationwide, which was the nation’s eighth-largest company by car insurance premiums written in 2016, according to A.M. Best. Titan is available in 22 states; it is not available in Washington, D.C.

Titan insurance availability:

• Alabama
• Nevada
• Arizona
• New Mexico
• California
• North Carolina
• Colorado
• Ohio
• Delaware
• Pennsylvania
• Florida
• South Carolina
• Georgia
• Tennessee
• Illinois
• Texas
• Indiana
• Virginia
• Maryland
• Washington
• Mississippi
• West Virginia

Home Office:
Cleveland, OH 44122. California
Telephone: 1-800-926-3168
Get Quotes: www.titanicinsurance.com
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BRISTOL WEST

Bristol West is the nonstandard subsidiary of Farmers Insurance, the seventh-largest car insurer in the nation by premiums written in 2016. Bristol West sells its policies only through local agents and brokers, and is available in 42 states but not in Washington, D.C.

Bristol West insurance availability:

• Alabama
• Arizona
• Arkansas
• California
• Colorado
• Connecticut
• Florida
• Georgia
• Idaho
• Illinois
• Indiana
• Iowa
• Kansas
• Kentucky
• Louisiana
• Maine
• Maryland
• Michigan
• Minnesota
• Mississippi
• Missouri
• Montana
• Nebraska
• Nevada
• New Hampshire
• New Jersey
• New Mexico
• New York
• North Dakota
• Ohio
• Oklahoma
• Oregon
• Pennsylvania
• South Carolina
• South Dakota
• Tennessee
• Texas
• Utah
• Virginia
• Washington
• Wisconsin
• Wyoming

Bristol West Insurance

P.O. Box 31029
Independence, OH 44131-0029
Telephone: (888) 888-0080
Get Quotes: www.bristolwest.com
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Article Source: http://EzineArticles.com/1366284, https://www.nerdwallet.com/blog/insurance/best-insurance-companies-for-high-risk-drivers/