Very Cheap Auto Insurance - Tips That Guarantee Affordable Car Insurance Rates

Friday, March 20, 2009

Auto Insurance For High Risk

By Dante Hollowitz

Being cited for too many traffic tickets, or being involved in several car accidents, or having a conviction of drinking while intoxicated (DWI) or drinking under the influence (DUI) all meant one thing - you are a high risk driver. And being a high risk driver has nothing but just disadvantages for your high risk auto insurance needs. This automatically means you are charged with expensive high risk auto insurance premiums and you may even find it hard to get low cost auto insurance.

If you are a high risk driver, then getting lower car insurance rates may be a challenge. One of the best things that you can do to get low cost high risk auto insurance is to shop around for car insurance rates. Use the Internet and visit the websites that offer online auto insurance quotes. Get as many online quotes that you can get. It's totally free of charge and you don't have to pay even a single centavo. But, if that still didn't work, you may want to consider these things:

1. Contact your state's Department of Motor Vehicles (DMV) to give you an idea on how "bad" your driving record is. This is helpful to make you aware of your driving history.

2. If you are getting you auto insurance, home insurance or even life insurance under one insurance company may give you lower car insurance rates.

3. If you are driving an old vehicle, then drop or do not even consider getting collision or comprehensive coverage.

4. If you are a matured or old driver whose age is above 50 years old, you can ask for car insurance discounts for being one. There are states that require auto insurance companies to give a minimum discount of 5% for senior drivers.

5. Do not settle for the lowest deductibles being offered to you. Make sure you always ask for the highest amount for your deductibles.

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