Reader’s Question:

Is it impossible to find cheap high risk car insurance?

Fred

Columbus, OH

Cheap high risk car insurance is as glaring as contradictions can get. The phrase probably works better as advertising copy. Setting it in big bold blinking type may possibly catch the eye of someone desperately looking for high risk car insurance. But car insurance – and any other insurance for that matter – is a probability game against risk. As the risk increases, so does the rate. If you want to talk about the lowest possible rate a high risk driver can obtain for car insurance, then a better term would be relatively cheap high risk car insurance.

Granted such clarifications, it isn’t impossible to find cheap high risk car insurance. Insurance companies do not compute rates in exactly the same way. Some actually focus on particular classes of drivers. Some are better at insuring students and young drivers while others are better at setting rates for drivers above the age of 60. Both types of drivers actually fall in the high risk category. Young drivers belong there because of inexperience and mature drivers because of their deteriorating senses and reflexes. Compared to the rates you might get from providers who don’t specialize, what you’ll be offered by such companies that focus on high risk drivers can be called cheap high risk car insurance.