Member Information
Get Connected
Reading/Career


Car-Insurance-Auto-Insurance.com

Post articles View all articles Print article

High Risk Car Insurance


Bless your heart if you fall into a high risk category of the car insurance world. High risk means that you are a high risk to the insurance company and this could be for various reasons


By Stuart Simpson

Bless your heart if you fall into a high risk category of the car insurance world. High risk means that you are a high risk to the insurance company and this could be for various reasons. Let me give you some idea so you can decide if you can afford to be in the high risk category.

Accidents almost always put you in the higher category unless you have a clean record and this is your first accident. Then, you might be spared. Otherwise, you’ll be in for an expensive insurance payment for the next 3 years until these accidents are cleared off your record.

DUI or DWI. Unfortunately, these charges hang around for a while and even if you have a one time offense and otherwise clean record, you still may be penalized and put in the high risk group. Best bet – if you drink, don’t drive. Hello? McFly?

Always pay your insurance. If you miss payments or decide not to carry insurance for a while, then you have created a gap. Insurance companies know when you have gaps in coverage. This is an indication that you won’t pay them on time and puts you in a higher category. Why? Well, you quit paying and they quit making any money. They have to reissue policies or reinstate old policies. Best bet – pay your bills and pay your insurance on time.

One option that is under your control is the type of vehicle you drive. If you buy a new corvette with 505 hp and expect to get the same cost insurance as if you were driving a Ford Explorer then you are too goofy to be driving a corvette. If the car you chose even has a hint of being “sporty”, then you might be bumped into the high-risk group. It is all about statistics and cost of repairs. I’m sure smashing up a big money corvette will cost more to repair than a Toyota corolla.

How can I lower the rates? Don’t have an accident. Don’t buy the new corvette. Buy an old heavy car that’s less likely to be stolen and for goodness sake, don’t drink and drive. If you have already fallen into one of these categories, you might still be able to lower your insurance. Ask you agent about raising the deductible or other advice – put the monkey on his back and see what he can do to get your rates to a manageable level.

Article Source: http://EzineArticles.com/?expert=Stuart_Simpson

  
Car Insurance Services   Show All articles
Search by Zip
  Enter Zip  search
Contact Car Insurance Services near you.
Firstname *
Lastname *
Email *
Phone *
Alt. Phone
Zip *
Brief reason to contact *
Los Angeles Car Insurance ServiceMIAMI-DADE Car Insurance ServiceCook Car Insurance Service
SAINT LOUIS Car Insurance ServiceHarris Car Insurance ServiceMaricopa Car Insurance Service
Orange Car Insurance ServiceSan Diego Car Insurance ServicePRINCE GEORGES Car Insurance Service
Kings Car Insurance ServiceDade Car Insurance ServiceQueens Car Insurance Service
Dallas Car Insurance ServiceWayne Car Insurance ServiceKing Car Insurance Service
San Bernardino Car Insurance ServiceSanta Clara Car Insurance ServiceDEKALB Car Insurance Service
Broward Car Insurance ServiceDU PAGE Car Insurance ServiceRiverside Car Insurance Service
New York Car Insurance ServicePhiladelphia Car Insurance ServiceMiddlesex Car Insurance Service
Tarrant Car Insurance ServiceAlameda Car Insurance ServiceSuffolk Car Insurance Service
Cuyahoga Car Insurance ServiceBexar Car Insurance ServiceClark Car Insurance Service
 
More information...
Auto Insurance For Less - 4 Things That Will Help
You can get high quality auto insurance for a lot less if you are shown a few things. Yes, affordable rates are not just for a few insiders who know certain tricks....
Insurance for Performance Cars
Driving a high performance car comes at a price. Insurance premiums for performance vehicles are generally a lot higher compared to smaller engine cars....
How Your Car Insurance Quote Is Calculated
Insurance companies place vehicles in different categories depending on their value and performance....
Where To Go For Car Insurance
The internet is slowly taking over our lives. It's capable of satisfying all of our consumer desires; with a simple click of the mouse you can book yourself a holiday...
Online Car Insurance
There are many resources for consumers to consider when shopping for automobile coverage and among the most popular is online car insurance...
Auto Insurance Comparisons - Find The Best Deal
You finally have it, the car of your dreams. The beautiful paint job, the spotlessly clean interior, perfectly tinted windows, and that new car smell are all yours as the dealer hands you the keys...
Buying New Car Insurance
One of the most important aspects of buying a modern vehicle is the process of buying new car insurance....
How to Compare Car Insurance Companies
Obtaining excellent auto coverage that is affordable requires the ability to compare car insurance rates while assessing the quality of the provider in the process. ...
Car Insurance Rates
Car insurance rates vary from company to company. They also vary according to the benefits that are included in your policy....
Lower Car Insurance Rates
You can't imagine how much cash you could be losing in your car insurance unless you already have this information. Yes, you too can get lower car insurance rates....

Contact Us | Site Map | RSS Feeds | Articles | Jobs | All Members | Popular Searches | Popular Questions