Reader’s Question:

What is the best way to save on auto insurance for high risk driver like myself?

Dean

Huntsville, AL

As you may already know, high risk drivers are classified differently because many auto insurance companies are reluctant to sell them auto insurance policies. When they do get coverage, the premium is generally very high. Get a conviction for DUI in Alabama, and your auto insurance premium shoots through the roof; that, you can count on. High risk drivers may include those with DUI convictions, those who have collected a number of tickets and those who have gotten into a couple of accidents. Even inexperienced drivers may be considered high risk.

There’s not much to do but do serious shopping, which may begin online. Dean, the auto insurance industry is competitive, and many out there want your business. In order to make their offers attractive, many specifically cater to high risk drivers. The more auto insurance packages you check, the better your chances are at getting a great deal. Online, you can easily compare packages and rates.

Also you can bring down the auto insurance premium by choosing a higher deductible. A deductible is the amount of money the driver himself will pay (and not the auto insurance company) for losses in an accident. You may also try to improve on your driving record and aim for a no-claims bonus. This is an incentive for drivers who have never had to make an auto insurance claim. Finally, pay your premiums in full rather than monthly if you can afford it. I hope all those can save you enough.