LOS ANGELES, Feb. 2, 2020 /PRNewswire-PRWeb/ -- Affordable car insurance for high-risk drivers is not that easy to obtain. There are many reasons why car insurance companies classify drivers as high-risk. Usually, teen drivers, drivers that caused accidents, drivers that were involved in DUI incidents are seen as high-risk by the insurers.
High-risk drivers can find affordable car insurance if they follow the next tips:
- Check for specialized non-standard carriers. These insurance companies are specialized in insuring high-risk drivers. Many standard insurance companies have subsidiaries that are non-standard carriers. Although standard insurance companies can insure high-risk drivers, many prefer to not be associated with this type of driver.
- Buy a cheap car to insure. The last thing a high-risk driver need is a car that is expensive to insure. Instead, high-risk drivers should look at slightly used sedans, minivans, or SUV's that are already equipped with several safety devices.
- Check the available discounts. There are many discounts available for high-risk drivers. Some of the most popular discounts are low-mileage discount, safety devices discount, or bundled policies discount
- Maintain a good credit score. In most states, insurance companies are allowed to look at the drivers' credit score before determining their insurance rates. Drivers with a good credit score will pay less on their premiums, so it's important for high-risk drivers to maintain a good credit score or even improve it.
- Compare online quotes. Even though there are still several standard insurance carriers willing to insure high-risk drivers, their premiums are very high. High-risk drivers should focus on comparing online quotes offered by non-standard carriers.
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