| Have your been classified as a high risk driver? | | | | afford. Raising it from $250 to $1,000 can save |
| Are you looking for auto insurance that won't | | | | you up to 40% on your yearly premium. |
| cost you an arm and a leg? Here's how to get | | | | 5. Purchase you car insurance through your |
| high risk auto insurance at the best rate possible. | | | | homeowners or renters insurance company to |
| High Risk Auto Insurance | | | | get up to a 15% discount. |
| High risk auto insurance is a type of insurance | | | | 6. Consider dropping your collision and |
| issued to: | | | | comprehensive coverage if your car is worth less |
| * People with bad driving records | | | | than your premium plus your deductible. |
| * Teenage boys and girls | | | | 7. Ask your agent for any discounts you may be |
| * Drivers who own expensive sports cars or | | | | eligible for such as senior discounts, low-mileage |
| "muscle" cars | | | | discounts, drivers education discounts, and other |
| * People who live in a high-crime areas | | | | discounts. |
| Getting Cheap High Risk Auto Insurance | | | | 8. Compare rates through an insurance |
| If you've been classified as a high risk driver | | | | comparison website. Because auto insurance rates |
| you're going to pay more for your insurance than | | | | can vary by hundreds, even thousands of dollars |
| the average driver, but you can still bring your | | | | a year from one company to the next, |
| insurance costs way down. Here are the steps | | | | comparing insurance rates will save you the most |
| you need to take: | | | | amount of money on high risk auto insurance. |
| 1. Pay all your fines, then call your department of | | | | The advantage of using an insurance comparison |
| motor vehicle office to clear your driving history. | | | | site is that you only have to spend a few minutes |
| 2. Call your insurance agent to find out what | | | | at one site to get multiple quotes, rather than |
| steps you can take to downgrade your high risk | | | | spend hours on end visiting single company sites |
| category, such as taking a drivers ed course. | | | | or calling individual insurance agencies. |
| 3. Switch to a low risk car such as a late model | | | | The better comparison sites offer a service |
| Honda or Ford sedan that has safety features like | | | | where you can get answers to your auto |
| airbags and anti-theft devices. | | | | insurance questions through an online chat feature |
| 4. Raise your deductible to an amount you can | | | | or by telephone. (See link below. |