No one ever wants to be labeled a high risk driver, but there comes a time when your luck just runs out and you can no longer deny that the stack of tickets you’ve received lately qualifies you as a risk pool driver. Even if you’re confident driving at high speeds or you feel that you were not at fault for the last accident, auto insurance companies see that there is a pesky black “bad luck” storm cloud following you around — and insuring you is costing them more. So, you may ask, “Are exorbitant rates just part of my future? Or is there something I can do to pay less, even though I’m a high risk driver ?”
If you’re going to be drinking, take a cab or public transit. Do not text while driving or try to “gun it” through a yellow light. Always signal when changing lanes and be sure you pause a full two seconds at stop signs, while looking both ways. Use cruise control, whenever possible, to avoid the temptation to speed — especially on the highway. Always give yourself a 3-second following distance behind vehicles. Once you have no tickets or accidents for 3 years, you can expect your auto insurance rates to come down to a reasonable level.
Manage Your Money.
Did you know that some auto insurance companies look at your credit score when determining what type of rate to give you? Do your best to improve your money management and bring in added income, if necessary. Mark your insurance payment due dates on your calendar in advance, so you know when you’ll need the money to pay your bill on-time.
Shop For Quotes.
The auto insurance market is extremely competitive. Since companies all have their own secret algorithms for determining risk, you can find tremendous deals by calling around. Better yet, why not take a couple of quick minutes and get a free, no-obligation quote online?