Let’s be honest. Some cars and drivers are simply more likely to get into accidents than others. And the fact that they’re high risk is reflected in their car insurance premiums.
Your driving record will determine if you need high risk car insurance. For example, if you’ve been convicted of driving under the influence of drugs or alcohol or have multiple speeding tickets or at fault accidents, you may be placed in a high risk category, requiring special high risk auto insurance.
Speaking with the Sears Insurance Team, we can find the best solution for someone with your unique circumstances.
Even if you need high risk auto insurance now, here are some steps you can take that may lower your cost:
- We offer discounts for youthful drivers who are taking driver training courses.
- Trade in your car for a model with a better safety record or safety features.
- Follow all traffic laws. Going three years without a ticket may result in a decrease in your premium.
- Drive defensively. Significant discounts are available if you can avoid an accident for three years or more.