Consider this scenario, you are a driver with a number of traffic accidents or tickets, been charged for an offense like drinking under the influence (DUI) or drinking while intoxicated (DWI). If you are a driver with a driving record like that, I wouldn't be surprised to know that you are considered a high risk driver. And being one means higher risk for car insurance companies to insure you. So most likely you are paying higher than usual car insurance rates.
If you are a high risk driver, then getting lower car insurance rates may be a challenge. One of the best things that you can do to get low cost high risk auto insurance is to shop around for car insurance rates. Use the Internet and visit the websites that offer online auto insurance quotes. Get as many online quotes that you can get. It's totally free of charge and you don't have to pay even a single centavo. But, if that still didn't work, you may want to consider these things:
1. Contact your state's Department of Motor Vehicles (DMV) to give you an idea on how "bad" your driving record is. This is helpful to make you aware of your driving history.
2. If you are thinking of getting another line of insurance like home or health, consider getting it from one insurance provider. There auto insurance companies that offer discount for having multi-line discount.
3. Know your vehicle's value and if you think it's not that much then let go of your collision and comprehensive auto insurance coverage.
4. If you are a senior driver and you're above 50 years old, you may just be able to avail a senior discount for your car insurance premiums. In fact, there are states that mandate a discount for senior drivers. You just have to check if it's being offered in your area.
5. When it comes to your deductibles, get the highest amount possible.
If you are a high risk driver, then getting lower car insurance rates may be a challenge. One of the best things that you can do to get low cost high risk auto insurance is to shop around for car insurance rates. Use the Internet and visit the websites that offer online auto insurance quotes. Get as many online quotes that you can get. It's totally free of charge and you don't have to pay even a single centavo. But, if that still didn't work, you may want to consider these things:
1. Contact your state's Department of Motor Vehicles (DMV) to give you an idea on how "bad" your driving record is. This is helpful to make you aware of your driving history.
2. If you are thinking of getting another line of insurance like home or health, consider getting it from one insurance provider. There auto insurance companies that offer discount for having multi-line discount.
3. Know your vehicle's value and if you think it's not that much then let go of your collision and comprehensive auto insurance coverage.
4. If you are a senior driver and you're above 50 years old, you may just be able to avail a senior discount for your car insurance premiums. In fact, there are states that mandate a discount for senior drivers. You just have to check if it's being offered in your area.
5. When it comes to your deductibles, get the highest amount possible.
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