What is High-Risk Car Insurance?

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High-risk car insurance suits those drivers, who have been noticed in frequent accidents and driving under influence of alcohol or drugs, have traffic tickets. If you are caught, then it will negatively affect the cost of your car insurance. Drivers have to drive carefully to not to fall under this category.

Car insurance for high-risk drivers exists but it costs more than traditional one.

The best way to shop for high-risk car insurance in your state is to contact your state department of insurance. You can find the list of state insurance regulatory agencies on the official website of the National Association of Insurance Commissioners.

Such major top car insurance companies as Allstate, Farmers, Nationwide, Progressive, and Safeco also provide non-standard and high-risk insurance to the state residents.

The next way to find the affordable car insurance for high-risk drivers is to deal with the insurance broker. This is the fastest way to find the perfect deal because the knowledge and the network of insurance brokers open hidden possibilities.

If any of the aforementioned ways doesn’t work, then you may turn to your state department of motor vehicles. They often place high-risk drivers in an assigned-risk auto insurance pool. The car insurance high risk in such pools is extremely expensive. This can be the last variant for you.