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High Risk Car Insurance Tips

February 27, 2012 | Comments: 0 | Views: 172

Being in the high risk driver category does not last forever if you strive to improve your driving record and if you make good choices. If you are interested in lowering your insurance payments it is important to understand how long you will be in the high risk driver category. In most instances the length of time that you are considered high risk really depends on your record.

Multiple Tickets

If you have had minor violations in the past three years it may affect your insurance rates. If you have multiple tickets or an accident where you were at fault, you will be able to get back into a preferred carrier when your oldest violation falls off. Most violations will affect your record for 3 years after which it typically comes off your record. You should be able to see a difference in your rate after 3 years if you are staying with the same insurance provider.

It is always a good idea to ask your insurance agent to provide you with dates of all your violations. You can also switch to a preferred carrier the day after your violations come off your record to save money instantly. Keep in mind that most insurance companies have similar policies. However, some insurance providers track tickets and violations within the last 2 years. If you have multiple tickets or violations the term is usually 3 years.

No Prior Insurance

If you did not carry insurance for a period of time chances are that your insurance rates will be higher. It is important to consistently have car insurance because there are surcharges if there is a lapse. In case that there has been a lapse in paying for car insurance on your record, your rates may be higher for up to six months.

If you obtain a car insurance policy, it is in your best interest to keep this policy for at least six months. If you switch or discontinue your coverage you will have to start your six month coverage over. Switching insurance carriers is still a possibility within the initial six months but you will be required to show proof of insurance coverage by providing the declaration pages.

Major Violation

Major violations can affect your insurance rates up to five years with some insurance providers. Some major violations fall in the category of DUI, reckless driving, and leaving the scene of an accident. In most cases preferred insurance rates will not be available until five years have passed form the time of a major violation.

It is possible to shop and compare insurance carriers that do no charge for major violations after three years. Once the five years are up, it is a good idea to start shopping around again in order to obtain the cheapest car insurance possible.

With rising living expense costs it can be extremely difficult to maintain payments on insurance under high risk driver status. Many people spend more time in the high risk category simply because they do not keep continuous insurance coverage. It is really important to keep driving records as clean as possible and to have insurance policies in effect at all times in order lower insurance premiums.

There are many useful tips and advice on car insurance online, so make sure to do your research before making a purchase.

Source: EzineArticles
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