Check Car Insurance Quotes Online for High Risk Drivers

Those not previously insured, people with multiple accidents and/or tickets, and people who have major violations are considered a group that is risky to insure. The higher the risk, the higher the premium; the insurance company is taking on someone who is statistically more likely to place a claim. It would not be fair to those who drive carefully to pay more in their insurance to cover high-risk drivers who pay the same amount of coverage. The good news is that there are different things that can help bring down the cost of car insurance quotes online.

1.    Accident Forgiveness

The best time to have a policy with Accident Forgiveness is before you have any accidents. Even if you are a low-risk driver, you should compare the cost with and without this feature to see if it would be worth adding to your car insurance quotes online. Unless it adds a substantial amount, it will be worth the cost because one accident can increase your rates as much as 40%.

If you happen to have a former claim or accident, a second one could get you canceled in your low-risk company forcing you into high-risk and much higher costs. Even if adding it might cost an extra $15 or $20 a month, it would be a worthwhile feature to include. Once the first claim drops off, the cost for the entire policy typically goes down as well as the cost for the accident forgiveness feature.

If you are already in a high-risk classification, most likely this feature won’t be available to you, but consider adding it to your car insurance quotes online as soon as you can get it. It will greatly assist your rates if you are accident-prone.

2.    Affiliations

Are you a member of a fraternity or sorority? How about a Moose or Elk lodge? Do you have a membership with a garden or bowling club? Anything that you are associated with you should check to see if there is an insurance company they partner with to provide their members with a discount. Often it is a small discount, but when you are dealing with high-risk car insurance quotes online, it may make a pretty big difference.

What type of occupation are you in? If you live in California, you can see if your occupation qualifies you for an occupational discount. Often public service occupations are what provide this discount on your quotes.

As you shop for car quotes online, you might be in a higher risk, but that doesn’t mean you can’t get good discounts. Clean up your driving record and you will get low risk car insurance quotes online typically in three years or less.