| Does high risk auto insurance mean it will cost you | | | | sure you're NOT duplicating coverage. |
| an arm and a leg to get a policy? No! NOT if you | | | | More importantly, reduce the liability part of your |
| read and apply these tips. | | | | policy to the barest minimum allowed by law. In |
| What makes a driver a preferred risk? It's an | | | | its place, get an umbrella policy. It's far cheaper |
| insurer's perception based on certain criteria. And, | | | | and, at the same time, gives you more extensive |
| even though most insurance providers use the | | | | protection. |
| same list of factors in calculating your risk profile, | | | | 3. Work on your credit rating. Develop a better |
| they all give each of those factors different | | | | culture behind wheels. Avoid making petty claims |
| weightings or relevancy scores. So it's important | | | | you can handle. Look for insurance-friendly |
| that you find a carrier that is favorably disposed | | | | vehicles. If you're moving house, check that your |
| to your profile (More on that later). | | | | new zip code doesn't inflate your rate. You might |
| Being labeled a high risk isn't like the weather. You | | | | save a few hundred bucks on a home while you |
| can do more than talk about it. Here are active | | | | lose several hundreds on premium dollars because |
| steps you can take to reduce your rates... | | | | of it. |
| 1. Go for a course in defensive driving or any | | | | 4. Like I said earlier: Find a provider that is more |
| other program that is designed to improve your | | | | favorably disposed to your profile. It's NOT a |
| driving. It pays to ask your agent which ones are | | | | complex process. You can do it right now from |
| recognized or recommended by your insurer. | | | | where you're reading this. Just get and compare |
| That will guarantee lower rates once it's proven | | | | quotes from a wide range of reputable insurers. I'll |
| that you've completed your course. | | | | recommend that you get as many quotes as you |
| 2. Your rates are partly a function of the | | | | can as doing this raises your chances of find |
| coverage types and amount of coverage you ask | | | | much lower quotes. From the quotes returned, |
| for. So look at your auto policy carefully: Do you | | | | you'll see insurance companies that have cheaper |
| have coverage for personal injury? Check your | | | | rates for you -- Without compromise to |
| health insurance policy if you have one and make | | | | coverage quality. |