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Quote Unquote – Vol. 12.23

December 10, 2012

“I have a few tickets and one accident on my record. Can I still get a decent rate?”

The number one way for a high-risk driver to save money is to shop around. Get as many car insurance quotes as you can; with so many options in the high-risk market today, you do have the option to compare rates and look for the most competitive option. High-risk insurers exist to assist drivers who don’t qualify for standard rates, but they must still compete with each other for your business.

Stay on top of your rates, and make sure that all tickets and accidents that are no longer chargeable fall off at the appropriate time. Whenever there is a change to your status, get some quotes to compare rates and see if you can save. Eventually, rates from a standard insurance company will start to be on par with a high-risk, and then lower. Get back to a standard company as soon as you can. Because they insure more people, they can spread risk and generally offer better rates.