High-Risk Driver Insurance—How to Find the Right Coverage

Whether you have a history of accidents, traffic violations or other factors that deem you high risk in the eyes of auto insurance companies, finding the right coverage at an affordable rate is essential. Fortunately, there are steps you can take to navigate the process to get the coverage you need.

Understand Your Risk Profile

Before shopping for insurance, it’s crucial to understand why you’re considered a high-risk driver. Factors such as a history of accidents, traffic violations, DUI convictions or lapses in coverage can all contribute to being classified as high risk. Knowing your risk profile will help you identify insurers who specialize in covering high-risk drivers.

Research Specialized Insurers

Specialized insurers understand the unique challenges high-risk individuals face and are more likely to offer policies tailored to your needs. Your agent can help research specialized insurers to find the best coverage options available to you.

Choose Basic Coverage

If traditional comprehensive coverage is too expensive, consider basic coverage options such as liability insurance if you don’t have a lease or car loan. While basic coverage won’t provide financial protection for damages to your own vehicle, it can help fulfill legal requirements and provide financial protection if you’re at fault in an accident.

Improve Your Driving Record

It takes time, but improving your driving record is one of the most effective ways to lower insurance premiums. Focus on practicing safe driving habits, avoiding traffic violations and attending defensive driving courses to demonstrate to insurers that you’re committed to reducing your risk on the road.

Take Advantage of Discounts

Despite being classified as high-risk, you may still qualify for specific discounts offered by insurance companies. These discounts may include bundling multiple policies, completing driver safety courses or installing safety features in your vehicle. Ask your agent about available discounts when shopping for insurance.

Consider Usage-Based Insurance

Some insurers offer usage-based insurance (UBI) programs that use telematics devices or smartphone apps to track your driving habits. If you’re confident in your driving abilities, participating in a UBI program and demonstrating safe driving behaviors could result in lower premiums over time.

Work with an Experienced Agent

Working with an experienced agent when you’re a high-risk driver can provide invaluable insights into navigating the complex insurance landscape. At Auto Insurance Express, we assess your situation to identify insurance providers specializing in covering high-risk drivers, ensuring you get appropriate coverage tailored to your needs. Our agents can help you understand the nuances of your policy and assist in finding discounts or incentives.

Contact Us

Contact Auto Insurance Express in Jeffersonville, IN, for a personalized auto insurance quote. Our agents can help you get car insurance coverage tailored to your needs at favorable rates.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.