Best Auto Insurance for High-Risk Drivers with Previous Claims
Finding auto insurance as a high-risk driver with previous claims can be a challenge, but it’s not impossible. Many insurance companies specialize in providing coverage for drivers who have a history of accidents, traffic violations, or multiple claims. These insurers understand the unique risks associated with high-risk drivers and offer policies tailored to meet their needs.
In this blog, we’ll explore some of the best auto insurance options for high-risk drivers with previous claims, how to reduce your insurance premiums, and what to look for when choosing the right provider.
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Who Is Considered a High-Risk Driver?
A high-risk driver is typically someone who poses a greater likelihood of filing an insurance claim due to their driving history. You may be considered high-risk if you have:
- Multiple traffic violations (e.g., speeding tickets)
- Been involved in several accidents
- Filed multiple insurance claims in a short period
- Been convicted of DUI or other serious offenses
- A lapse in insurance coverage
- Poor credit (in some states, insurers use credit scores to assess risk)
Insurance companies view these drivers as more likely to file future claims, which often results in higher premiums.
Top Auto Insurance Options for High-Risk Drivers
While many insurers charge higher rates for high-risk drivers, several companies specialize in offering coverage to those with previous claims or other driving infractions. Here are some of the best options for high-risk drivers:
1. The General
The General is well-known for offering affordable auto insurance to high-risk drivers. They cater to individuals who have had accidents, traffic violations, or a spotty insurance history. The General provides flexible payment plans and coverage options, making it easier for high-risk drivers to get the protection they need. Additionally, they don’t shy away from drivers with multiple claims, making them a solid choice for those with a challenging driving history.
2. Progressive
Progressive is one of the most popular insurance companies for high-risk drivers due to its competitive rates and specialized programs. Progressive’s Snapshot program tracks your driving habits, and if you show improvement, you may qualify for discounts. This can be an excellent option for high-risk drivers looking to prove they are safer drivers. Progressive also offers accident forgiveness, meaning your first accident may not raise your premium, which is especially beneficial if you have previous claims.
3. Dairyland
Dairyland specializes in non-standard auto insurance, which is designed for high-risk drivers. They offer coverage to individuals with poor driving records, multiple claims, and DUI convictions. Dairyland is known for working with drivers who may struggle to get insurance elsewhere and provides affordable coverage options. Their SR-22 filing service, which is often required after a DUI or serious offense, is a useful feature for high-risk drivers.
4. State Farm
State Farm offers a Safe Driver Discount program that encourages drivers to adopt safer driving habits. While State Farm is a mainstream insurer, they have options for high-risk drivers, including accident forgiveness for loyal customers and a Drive Safe & Save program that tracks driving behavior. These features can help lower your premium over time, even if you’ve had previous claims or violations.
5. SafeAuto
SafeAuto focuses on providing insurance for drivers with poor driving records, including those who have been involved in multiple accidents or filed several claims. They offer basic liability coverage, which is a good option for high-risk drivers who need to meet minimum state insurance requirements without breaking the bank. SafeAuto is known for its flexibility and willingness to work with drivers who may not qualify for traditional insurance.
6. National General
National General offers coverage to high-risk drivers, especially those with a history of accidents or claims. One of their standout features is accident forgiveness, which can help prevent your premiums from increasing after your first accident. National General is also known for its specialized coverage for drivers with an SR-22 filing requirement, making it a good choice for those with serious driving offenses.
How to Lower Insurance Premiums as a High-Risk Driver
Even though insurance premiums for high-risk drivers tend to be higher, there are steps you can take to reduce your costs:
1. Improve Your Driving Record
The best way to reduce your insurance premiums over time is by improving your driving record. Avoid accidents, traffic violations, and claims for several years, and your risk level may decrease. Some insurance companies offer discounts for maintaining a clean record for a certain period.
2. Take a Defensive Driving Course
Many insurance companies offer discounts to drivers who complete defensive driving courses. These courses teach you safe driving techniques and help prove to insurers that you’re working to become a safer driver.
3. Increase Your Deductible
Raising your deductible (the amount you pay out of pocket in the event of a claim) can help lower your monthly premiums. However, be sure you can afford the deductible in case you need to file a claim.
4. Bundle Your Insurance
If you need other types of insurance (such as homeowners or renters insurance), consider bundling your policies with the same company. Many insurers offer discounts for customers who purchase multiple types of coverage from them.
5. Ask About Discounts
Even as a high-risk driver, you may qualify for discounts. Some common discounts include good student discounts, safe driver discounts, or discounts for low-mileage drivers.
6. Consider Usage-Based Insurance
Some insurers offer usage-based insurance (UBI) programs that calculate your premium based on your actual driving behavior. By using a telematics device or mobile app, the insurer tracks how safely you drive. If you’re able to demonstrate safe driving habits, you may qualify for lower rates.
What to Look for in Auto Insurance as a High-Risk Driver
When shopping for auto insurance, it’s important to consider more than just the price. Here are a few things to keep in mind:
- Accident Forgiveness: Some companies offer accident forgiveness, which prevents your premium from increasing after your first accident.
- SR-22 Filing: If you’re required to file an SR-22 (a certificate of financial responsibility), make sure the insurer offers this service.
- Customer Service: Choose a company with good customer service ratings and reviews. You want to ensure you can easily file claims and get help when needed.
- Customizable Coverage: Look for a company that allows you to tailor your coverage to your needs, such as liability, comprehensive, or collision coverage.
- Discount Opportunities: High-risk drivers may still qualify for various discounts. Ask about safe driving programs, student discounts, or other ways to lower your premium.
Final Thoughts
Being labeled as a high-risk driver with previous claims can make finding affordable auto insurance difficult, but it’s not impossible. By exploring your options with companies like The General, Progressive, or Dairyland, you can find a policy that fits your needs and budget. Additionally, taking steps to improve your driving habits, such as enrolling in defensive driving courses or using a telematics device, can help lower your premiums over time. Always compare quotes and coverage options to ensure you’re getting the best deal possible.
Finding the right auto insurance as a high-risk driver may take some effort, but the right provider can give you the coverage and peace of mind you need while you work on improving your driving record.