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Insurance companies define high-risk drivers as persons more likely to be involved in an accident and to file claims. In the long-term, those persons may actually cost the company more money than they pay for premiums. To compensate for the risk, some companies charge the policyholders with absurdly high premiums. This is why high-risk drivers should use online quotes. Find out more and get free quotes from http://cheapquotesautoinsurance.com.
- Know what is expected for a high-risk driver. Depending on the severity of the traffic violations, some drivers may be required to carry SR-22. This is a certificate of insurance, also referred to as a financial responsibility filing. Drivers convicted for DUI or driving without insurance are usually required to carry SR-22 for a number of consecutive years. Before getting quotes, ask what other responsibilities must be met, like minimum coverage and type and if there is any continuous coverage period imposed.
- Do not rely only on the big names. The big 4-5 insurance companies usually do not accept high-risk drivers. Adopting a more tolerant policy towards high-risk drivers can spell disasters for them. Standard carriers hardly accept high-risk drivers.
- Work with subsidiaries. The good news is that many standard carriers, including the top companies, collaborate with smaller companies that are dedicated to insuring high-risk drivers. Spend some time researching more about non-standard carriers. Make a list with available non-standard insurers available in the region.
- Get quotes for those companies. Online car insurance quotes are of extreme importance for high-risk drivers. The price difference between companies, even for those non-standard carriers claiming to be the best, can be of several hundred dollars. When comparing prices, make sure that the same info was used and the same coverage options were selected. That includes the same deductibles and the same add-ons.
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