Affordable Car Insurance

Cheap Car Insurance For High Risk Drivers


Cheap Car Insurance For High Risk Drivers | Get Low Cost Quotes Online

Locating an Affordable Car Insurance


Here's How to Discover and Compare the Cheapest Car Insurance For High Risk Drivers

How to Get the Best Rate (In a Nutshell)

We've reviewed numerous quoting services to bring you the best ones. Each of the following free services can provide you with several competing quotes from various companies, thus enabling you to compare and pinpoint on the best rate that is available for your location:


1. Quotes Comparison Tool - May save you hundreds on your car insurance. This tool filters out the more expensive providers. Simply enter in your zip code and get free quotes from providers in your local area that offer the best rates.

Zip Code:

2. Best-Quotes - Call them (toll-free) at (855) 981-7528 - this is a free by phone service that provides multiple company insurance rates specific to your location, see how companies compete for your business. Offers great rates from quality insurers.


The Newbie Mistake That Can Cost You Dearly

The number one mistake made by seekers of Cheap Car Insurance For High Risk Drivers is approaching only the companies that are most heavily advertised. The first insurance company that comes to mind is not necessarily the one that will offer you the best rate.

The single most critical factor in getting a cheaper car insurance rate is shopping around for as many quotes as you can. Why? because different insurance companies charge different rates for the same coverage. In addition, insurance companies' competitiveness differ tremendously by customer location.

Only by obtaining several quotes that are specific to your situation and location you will be really able to discover the cheapest rate that is available to you. How many quotes? go for at least 5 quotes from different insurers, less than that will not do the job.

Now, usually shopping around for five quotes can be a tedious and time consuming task, but we will make it here much easier for you.

We've reviewed numerous quoting services to bring you the best two. Each of the following free services can provide you with several competing quotes from various companies, thus enabling you to compare and pinpoint on the best rate that is available for your location:

1. Quotes Comparison Tool - May save you hundreds on your car insurance. This tool filters out the more expensive providers. Simply enter in your zip code and get free quotes from providers in your local area that offer the best rates.

Zip Code:

2. Best-Quotes - Call them (toll-free) at (855) 981-7528 - this is a free by phone service that provides multiple company insurance rates specific to your location, see how companies compete for your business. Offers great rates from quality insurers.

Save on your vehicle insurance

Tips to Help You Further Reduce Your Auto Insurance Quotes and Rates

The major crime most drivers commit against their personal finances is failing to shop around for the best premium and simply accepting your insurer's renewal quote, which is likely to be much higher.

Younger drivers can also grab themselves potentially much cheaper car insurance by opting for one of the new blackbox policies, these put a spy in your car to monitor your driving and reward those who are careful and don't drive at dangerous times.

Laura Keely, right, opted to have a little black box put in under the dashboard of her Vauxhall Corsa by Insurethebox.

Previously, she paid £1,800 for a comprehensive policy. Twelve months on, her premiums dropped to just £1,000 — a 44 per cent fall.

Whether you are male or female, old or young, follow our ten steps to lower premiums.

Shop around for the best deals - Savings of hundreds of pounds can be found if you shop around when you renew your cover.

Be careful though. When shopping around for car insurance, it's important to make sure that you are comparing like-for-like cover. Some policies may seem cheaper, but you may find you don't have the same level of cover when you have to make a claim.

Use an online comparison service to do the hard work for you. Put in your details and check the prices that come up. You can alter the excess that you are willing to pay and the mileage you will drive and get new quotes. Also check the insurers that don't feature in comparison sites, the big two are Direct Line and Aviva

Compare policies from more than 130 insurers with our car insurance finder (Powered by leading comparison engine MoneySupermarket)

Don't put everyone on your policy - Ensure that only regular drivers are named on the policy. You can always add someone for a few days when they really need to drive the car.
Protect that no-claims bonus - A long no-claims bonus is the single best way of cutting car insurance costs, so protect it.

This may increase the premium by a few pounds, but this fades into insignificance against the potential loss of a 90 per cent discount on a premium of several hundred pounds.

But the definition of a protected no-claims bonus can vary widely between insurers.

Though accidents caused by another driver will normally have no impact on such a bonus, those caused by the insured could. The key is to always check the policy carefully.

Take a higher excess - Increase your voluntary excess. Agreeing to pay more towards the cost of any accident repairs will bring down premiums. If you are not at fault in an accident, the excess can be recovered.Beware being tempted to allow it to rise too high, however, especially if you have a lower value car.

Secure your car - Fitting an approved alarm, immobiliser or tracking device can attract a discount of around 5%. Many newer cars will come with these as standard, so make sure you check if you have them and then declare them.

Do less miles - The fewer miles the car covers, the greater the saving.

For example, a reduction in annual mileage of 5,000 miles could save a typical 35-year-old driver about £50 a year in premiums.

A cut of 10,000 miles a year could save more than £100.

But you must be honest about your annual mileage, as inaccuracy will jeopardise any claim.

Check your use cover - if you don't use your car to drive to work or for business - both things that increase your premium - you may be able to get a cheaper rate.

Think carefully about adding young drivers - Adding a young, inexperienced driver to your policy can be a false economy, especially if you have a large or higher powered vehicle.

The premium will still be affected by the youngest driver and he or she may not have a no-claims bonus. Insurers have also been cracking down on fronting, where parents insure cars in their name for children to cut costs, so make sure if you are the policyholder on a car driven by your children that you are actually its main driver, or that you declare otherwise.

Looking for an insurance policy for your teenager? Check out our guide to insuring a young driver

Watch out for insurance trap cars - The EU has ruled that finance companies can no longer consider your gender when deciding what to charge you.

This was triggered by a European Court of Justice ruling on a challenge by a Belgian consumer group. Its case was that the exemption for insurers contradicted the principle of gender equality.

The ban came into force on 21 December 2012, after fierce campaign for UK firms which argued that they were not discriminating between the sexes — but instead were basing their prices on statistics.

Their argument was that as women live longer they pay less for life insurance, and get cheaper car cover because they have fewer accidents. The move to so-called gender-neutral pricing will affect premiums for all types of insurance — including car, life, private medical and income cover.

If you decide to change your car, check with your insurer if the model will have a significant effect on the premium.

Sporty cars can attract a high premium and often a slightly different model or smaller engine can make a big difference in your favour.

Remember what the garage is for - If your garage is full of junk, clear it out and use it for your car.

Insurers like cars kept in garages overnight and this can dramatically cut your premium.

Aside from the benefit of not having to scrape the ice off in winter, there is a higher risk of theft by keeping the car on the road, so keeping it in the garage will be reflected in your premium.

Be a better driver and sign up to a blackbox - Blackbox policies, where the insurer instals a system in your car to monitor your driving, reward those who drive carefully.

Officially called telematics, these check your speed, your handling and how cautiously you drive, and also whether you are on the road at perceived dangerous times - ie the early hours of the morning.

They can cut premiums substantially once you start proving you are a good driver. The biggest win is for those whose premiums are high, especially young drivers.

Protect your family and your car

When you're shopping for insurance, price and customer service are important. Will you be happy with claims service? Will you want to renew your policy and recommend the company? Insure.com asked the customers of large insurers to rate their level of satisfaction on five key measurements: customer service, claims, value for the price paid, whether they would renew and whether they would recommend the insurers. This resource shows their responses and lets you sort by the measurements most important to you.

Compare prices: Use an online comparison service to do the hard work for you.

Put in your details and check the prices that come up. You can alter the excess that you are willing to pay and the mileage you will drive and get new quotes.

Also check the insurers that don't feature in comparison sites, the big two are Direct Line and Aviva. This is Money's car insurance search is powered by MoneySupermarket and will search more than 130 insurers for you. Try it out here.
Haggle! The car insurance market is notoriously competitive. Once you've been on This Is Money's comparison and found your cheapest price (below), get on the phone and start bargaining!

Avoid paying monthly charges: Direct debit installments generally come hand-in-hand with high interest rates.

An alternative is to borrow the money on a 0 per cent purchase credit card and then clear it within a year. [Check the best 0% purchase credit cards here]

Think outside the box: An accelerated no-claims bonus, such as Admiral's Bonus Accelerator, could give you a year's no claims bonus after just 10 months.

amed drivers and friends and family: If you have previously been insured as an additional driver on another policy, see if you can transfer a no claims bonus to your own insurance coverage.

Auto insurance companies' rates are based on many factors and quotes can vary widely. Among the factors that insurance companies often consider when setting rates are age, gender, driving history, and the year, make and model of the vehicle. Additionally, in some states insurers can consider credit histories (credit scoring) when providing rate quotes.

If your car is financed, your lender will likely require you carry some form of Comprehensive insurance (sometimes known as "Other than Collision Coverage"). This type of insurance protects you against damage caused by things other than a vehicle collision such as fire, hail, flood, vandalism or theft. Collision insurance is coverage that applies to your vehicle if it is damaged as a result of colliding with another object—another vehicle, for example, or a tree.

Another step is to check the credit-worthiness of your insurance company through Moody's, Standard & Poor's and AM Best. If your insurance company has a strong financial rating, chances are excellent that it will have the ability to withstand a major catastrophe, such as claims produced by a hurricane, flood, earthquake or wildfires.

Cheap Car Insurance For High Risk Drivers Quotes

Since vehicle policies are regulated at the state level, it is recommended that you add the name of your state and city to the search term when searching online for Cheap Car Insurance For High Risk Drivers | Get Low Cost Quotes Online. For your convenient here is a list of US states and biggest cities: Alabama AL, in Alaska AK, in Arizona AZ, in Arkansas AR, in California CA, in Colorado CO, Connecticut CT, Delaware DE, District of Columbia DC, Florida FL, Georgia GA, Hawaii HI, Idaho ID, Illinois IL, Indiana IN, Iowa IA, Kansas KS, Kentucky KY, Louisiana LA, Maine ME, Maryland MD, Massachusetts MA, Michigan MI, Minnesota MN, Mississippi MS, Missouri MO, Montana MT, Nebraska NE, Nevada NV, New Hampshire NH, New Jersey NJ, New Mexico NM, New York NY, North Carolina NC, North Dakota ND, Ohio OH, Oklahoma OK, Oregon OR, Pennsylvania PA, Puerto Rico PR, Rhode Island RI, South Carolina SC, South Dakota SD, Tennessee TN, Texas TX, Utah UT, Vermont VT, Virginia VI, Washington WA, West Virginia WV, Wisconsin WI, Wyoming WY. New York, Los Angeles, Chicago, Houston, Philadelphia, okc, Phoenix, San Antonio, San Diego, Dallas, San Jose, Detroit, Indianapolis, Jacksonville, San Francisco, Columbus, Ohio, Austin, Memphis, Baltimore, Fort Worth, Charlotte, El Paso, Milwaukee, Seattle, Boston, Denver, Louisville- Jefferson County, Washington, Nashville-Davidson, in Las Vegas, Portland, Oklahoma City, Tucson, Albuquerque, Long Beach, Atlanta, Fresno, Sacramento, New Orleans, Cleveland, Kansas City, UK, Virginia Beach, Omaha, Oakland, Miami, Canadian, Canada, Northern Ireland, Australia, Tulsa, Honolulu, Minneapolis, Colorado Springs, Arlington.

The purpose of this article is to show you how to save on your policy premium costs and obtain really cheap policy price offers from the best rated and best value insurers. Now note that your rate can differ based on several factors. For example, the following personal factors can negatively affect your rate: first car for teens girls and boys, young driver, new drivers, over 60, under 21, learner drivers, teenagers, 17 year olds, young persons, high risk, under 25, drink drivers, young people, business car (any driver), young persons, 1st for women, business car insurance (any driver) and convicted drivers.

While other factors can allow for more affordable quotes, these include: over 50, college student, military, ladies, second car, renew current policy, low mileage, dual car, group family, joint drivers, 2nd car, limited mileage, multiple car and renewal.

There are some non-regular coverages that may not be available from every broker and agency, these may include: BMW vintage, pay as you go premium payments, high performance and racing autos, temporary European vehicles quotes, third party temp cover, antique or classic car, non owner 4x4 rental, no deposit required or agreed value low deposit.

You may also be interested in a non-regular term, these may include: pay monthly, for a day, for 6 month, weekend, monthly, weekly, short term, temp or 1 month - for those you'll need to locate specializing agencies or brokers. As for discounts for low income car owners, unfortunately most USA insurers will not provide low income men or women with special cheep or discounted car insurances rates. You can further lower your costs by limiting your cover to just liability rather than comprehensive, however this is not recommended. To summarize, taking advantage of the knowledge provided in this article can substantially reduce your average carinsurance costs.

Cost of Insurance

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