High risk, or non-standard, auto insurance buyers in KY may not be able to buy a policy from all insurance providers licensed to sell products in the state. They may need to get quotes from companies which specialize in providing coverage to this niche market.
Some circumstances where a driver may be classified as high risk include:
- Having one’s driver’s license suspended or revoked
- Being a young driver (20 years of age or younger)
- Being a senior driver (aged 70 and up)
- History of accidents and/or moving violations
When a driver is placed in this category, it doesn’t mean that he or she should not shop around to get the best rates for coverage. Rates for non-standard drivers can vary significantly, depending on the company involved. Going online is an effective strategy for finding insurance for high risk drivers.
Conducting an online search for high risk car insurance companies in KY will provide consumers with a number of choices. Visiting individual web sites can help the consumer learn about the products that each one offers, as well as the company itself. All car insurance buyers should deal with a company that is well-established and that provides a good level of customer service, as well as the best possible rates.
If you are a young driver or have been involved in accidents, you may be able to buy a standard policy in a few years. Review your coverage at least once a year and get quotes from multiple providers before renewing your coverage.