Reader’s Question:

Is it likely that I get a collision/comprehensive coverage under a car insurance for high risk drivers at an affordable rate?

John

Denver CO

High-risk drivers, as a rule, are charged higher premiums because of the amount of exposure that insurance companies feel when insuring their vehicles. For instance, if you have been in an at-fault accidents for more than three times in a period of one year, insurance companies will definitely give you expensive rates because the accidents imply something about your driving skills and your sense of responsibility. Do not lose hope though as there are still companies that can provide you with affordable car insurance for high risk drivers. It’s good that you do not expect a cheap premium for a collision/comprehensive coverage under a car insurance for high risk drivers. As you know, the collision/comprehensive coverage means that the insurance company shoulders the expenses to your motor vehicle in the event of damages from collision with another vehicle or from damages that are not the result of a car accident. What you can do is to shop for an affordable car insurance for high risk drivers from local companies and online sites. Companies may be amenable to lowering your rates depending on other factors. You can take a refresher course in driving to make your record better or you can exercise more responsibility when driving to avoid future mishaps.