It's no secret that drivers with perfect driving records get the best insurance rates. So, what can you do if you're one of the millions of Americans with accidents, moving violation tickets or both? Insurance agents realize that accidents happen, and that not every ticket is a sign of a negligent driver. Some car insurance carriers specialize in providing inexpensive coverage to drivers with accidents, tickets, or both. It’s important to shop around and get auto insurance quotes.
If your insurer recently raised your rates because of an accident or moving violation ticket, it’s time to look elsewhere for coverage. Car insurance customers can and should shop around, especially if they’re considered a higher risk based on a poor driving record. Unlike cable and wireless phone service companies, auto insurance carriers don’t require a contract, so you’re not locked in and can change car insurance companies at any time.
Additionally, contact your state’s Department of Motor Vehicles (DMV) agency and request a copy of your driving record. Just like reviewing your credit history, it’s important to periodically review your driving record. If you find items on your driving record that shouldn’t be there, request that the citations be removed from your record. Depending on the state you live in, first time offenders that complete driving safety programs after an infraction can request that the infraction be removed.
At QuoteWizard, we'll review your driving record and connect you with an agent that's a good fit. Don't assume you're going to get the same high rates with every company just because of multiple tickets or accidents. Each auto insurance company has a unique way of determining risk—it's not an exact science.
Some drivers will have their insurance cancelled or non-renewed by their car insurance company, most likely due to multiple accidents, tickets or a poor driving history. If this happens to you, we suggest contacting several auto insurance companies for quotes. Some states have programs for drivers who lose their insurance, so that they can continue to operate a vehicle while maintaining the minimum car insurance requirements. Oklahoma is an example of one state that has such a program.
Drivers with really bad driving records may have to find insurance through a high-risk/non-preferred insurer (Like Vern Fonk). These high risk car insurers are required by most state DMVs to have an SR-22. Sometimes referred to as a certificate of financial responsibility insurance, an SR-22 enables drivers to reinstate their driving privileges following loss of insurance, an uninsured car accident or other traffic-related offense.
It'd be nice to have a perfect driving record—just like it'd be nice to have flawless SAT scores and perfect teeth—but not everyone does. Don't let a few minor slip-ups keep you from cheap auto insurance. There are agents for every kind of driving record, and QuoteWizard can help you find them.Compare car insurance quotes from top insurance companies and find out how much you could save.
A: It depends on which state you live in. Generally, it depends on the severity of the infraction. Most moving violations remain on your record for 3-5 years. More severe violations like reckless driving can remain on your record for 10-15 years. For more information specific to your particular situation, we recommend reaching out to your state’s Department of Motor Vehicles (DMV).
A: It depends on the state you live in and how many points are on your driving record. There isn’t a “one size fits all” evaluation that put a driver into a “high risk” status. Some car insurance companies will consider you high risk and raise your premiums or drop you from their policy from just one accident. Others will allow more depending on differing circumstances.
A: The short answer is, it depends. Not all high risk car insurance is the same and it’s not possible to lump them together in one group. There are several factors that go into high risk auto insurance pricing:
We’ve seen high risk car insurance premiums range from hundreds to thousands of dollars. That’s why it’s important to do your homework and shop around. We recommend getting quotes from at least three different car insurance companies. Once you’ve had auto insurance for at least six months, get quotes again. Be sure to say you’ve had continuous insurance for the past 6 months and they’ll most likely provide better prices.
A: it depends on whether or not you were at fault and the size of the claim resulting from the accident. If the accident involves gross negligence (think DWI), you could be dropped by your car insurance company. This means you’ll pay a lot more for insurance since you’ll be considered “high risk” and need high risk insurance.
Keep in mind that auto insurance companies can’t change premiums in the middle of your policy’s term for any reason. Rate increases can only occur during policy renewals. So, if your accident happened in January and your policy doesn’t renew until July, several months will pass before you receive any related rate increase.
This is important because it gives you time to get quotes from several auto insurance carriers. Of course, they’ll see your accident and rate you accordingly, however, the chances are good you’ll be able to find cheaper car insurance.
A: Why, at QuoteWizard of course!
A: Car insurance companies aren’t high risk, the drivers they insure are. Insurance companies that cater to high risk drivers are generally willing to:
Preferred car insurance companies won’t do any of the above listed items. Also, please keep in mind that once you move to a high risk/non-preferred car insurance company, it’s difficult to move to a company that offered preferred or super preferred rates. You'll have to have a standard policy with a preferred auto insurance carrier for one year, at least, before they'll move you to preferred or super preferred rates.
A: Yes, however, it depends on which state you live in. Most states offer some kind of program for high risk or suspended license drivers. Contact your states Department of Motor Vehicles (DMV) for specific details related to where you live. These programs work with car insurance companies that specialize in insuring high risk drivers. Their rates will differ among the various companies and could be very high. That’s why it’s so important to shop around and get at least three different quotes.
Compare car insurance quotes from top insurance companies and find out how much you could save.