Driving can sometimes feel like navigating a tricky road, and if you’ve been labeled a high-risk driver, finding insurance might seem like an uphill battle. Whether it’s due to multiple traffic violations, DUI convictions, or a history of accidents, being considered high-risk can lead to significantly higher insurance rates. However, all is not lost. There are insurance companies that specialize in policies for drivers like you. In this blog post, we’ll explore some of the best car insurance companies that cater to high-risk drivers, helping you make an informed choice to safely get back on the road.
Top Car Insurance Companies for High-Risk Drivers
1. The General
The General is one of the most well-known car insurance companies offering coverage for high-risk drivers. Known for its iconic commercials featuring a cartoon general, it provides affordable rates despite your driving history. The General prides itself on a straightforward application process and offers flexible payment plans, which can be a relief if you’re dealing with the financial implications of being a high-risk driver.
2. Progressive
Progressive is a giant in the insurance industry and is renowned for offering insurance to drivers with a less-than-perfect driving record. One of the standout features of Progressive is their “Snapshot” program, a usage-based insurance plan that adjusts rates based on actual driving behavior rather than historical data alone. This can be particularly advantageous for drivers who have improved their driving habits.
3. GEICO
GEICO offers competitive rates for high-risk drivers and is known for its customer service and stability. They offer a range of discounts that may benefit high-risk drivers, such as discounts for successfully completing a defensive driving course or for having certain safety features installed in your vehicle. GEICO’s mobile app and user-friendly website make managing your policy simple, adding convenience to the mix.
4. Dairyland
Dairyland is often recommended for high-risk drivers thanks to its flexible payment options and competitive pricing. They specialize in non-standard auto insurance, which is insurance specifically designed for high-risk drivers. Dairyland also offers SR-22 insurance filings, a document required by the state for high-risk insurance, indicating that you carry the minimum coverage required by law.
5. Safe Auto
Safe Auto is geared towards drivers who may not be able to secure insurance elsewhere due to their driving records or other factors. They offer straightforward coverage options and SR-22 certifications at an affordable cost. Safe Auto is known for its customer-focused service, providing 24/7 customer support to assist with claims and questions.
6. State Farm
As the largest provider of auto insurance in the U.S., State Farm offers a program called Drive Safe & Save, which might be beneficial for high-risk drivers looking to prove they’ve improved their driving habits. Through this program, drivers can potentially lower their rates by demonstrating safe driving through telematics technology.
Things to Consider When Choosing a Policy
- Coverage Needs: Assess what kinds of coverage you absolutely need and what you might be able to go without. For instance, if you drive an older car, you might decide to skip comprehensive coverage.
- Discounts: Look for companies that offer discounts for which you can qualify. These can significantly lower your premiums.
- Customer Service: Especially important for high-risk drivers who may need to make claims or adjust their policy. Check reviews and ratings for customer service before deciding.
- Payment Options: Some insurers offer flexible payment plans which can ease the financial burden of higher premiums.
What is the best car insurance if you have had an accident?
Unfortunately, there’s no single “best” car insurance company for everyone after an accident. However, some insurers are known to be more lenient towards drivers with accidents on their record. Here are some things to consider:
- Accident Forgiveness: Look for companies that offer accident forgiveness. This benefit allows you to avoid a rate hike after your first at-fault accident.
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- Companies specializing in high-risk drivers: Some insurers cater to drivers with accidents or violations. They may be a good option, though getting a quote might be more time-consuming than with a major company. You can find them by searching for “car insurance for high-risk drivers”.
Here are some additional tips:
- Shop around and compare quotes: Don’t just stick with your current insurer. Get quotes from several companies to see who offers the best rates for your situation.
- Raise your deductible: This is the amount you pay out of pocket before your insurance kicks in. Raising your deductible can lower your premium, but make sure you can afford the higher upfront cost in case of an accident.
- Take defensive driving courses: Completing such courses can demonstrate you’re a safer driver and some insurers offer discounts for completing them.
By following these tips, you should be able to find affordable car insurance even after an accident.
What is the cheapest insurance for high risk drivers?
Finding the absolute cheapest car insurance for high-risk drivers depends on your specific situation, but some companies are generally more affordable for those with less-than-perfect records. Here’s a breakdown:
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Top contenders:
- Geico: Consistently ranks well for offering competitive rates to high-risk drivers, including those with accidents, speeding tickets, or even DUIs
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Companies specializing in high-risk drivers:
- Consider companies that cater specifically to high-risk drivers. They might offer better rates than major companies, but shopping around may take more effort. Search online for “car insurance for high-risk drivers” to find them.
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Other factors affecting price:
- Remember, the cheapest option isn’t always the best. Consider factors like coverage amount, customer service reviews, and what discounts they offer.
Conclusion
Being classified as a high-risk driver isn’t the end of the road when it comes to obtaining affordable car insurance. Companies like The General, Progressive, GEICO, Dairyland, Safe Auto, and State Farm are equipped to help you navigate the complexities of securing suitable coverage. By understanding your needs and doing thorough research, you can find a policy that doesn’t break the bank but keeps you safely and legally on the road.