The Best Auto Insurance Companies For High Risk Drivers

If you have a poor driving record or other factors that make you a high risk to insure, you may have difficulty finding affordable auto insurance. Many insurance companies will either refuse to cover high-risk drivers or charge them higher rates. However, there are some insurance companies that specialize in providing coverage to high-risk drivers.

In this article, we will review some of the best auto insurance companies for high-risk drivers. We will also discuss some factors to consider when choosing an insurance company and provide tips on how to save money on your auto insurance premiums.

1. The General

The General is a leading auto insurance company that specializes in providing coverage to high risk drivers. The company has a strong financial rating and offers a range of coverage options.

One of the main advantages of The General is that it does not require a credit check or a down payment for most drivers. This makes it an attractive option for high risk drivers who may have difficulty getting approved for coverage elsewhere. The company also has a user-friendly website and mobile app that make it easy to manage your policy and make payments.

In addition to its convenience and accessibility, The General offers a range of coverage options, including standard coverage and additional options like rental car reimbursement and emergency road service. The company also offers discounts for bundling policies and for safe driving.

2. SafeAuto

SafeAuto is another auto insurance company that specializes in providing coverage to high risk drivers. The company has a strong financial rating and offers a range of coverage options.

One of the unique features of SafeAuto is its “state minimum” coverage option. This option provides the minimum amount of liability coverage required by law in your state, at a lower cost than other coverage options. This can be a good option for high risk drivers who are looking for affordable coverage.

In addition to its state minimum coverage, SafeAuto offers a range of additional coverage options, including collision and comprehensive coverage. The company also has a user-friendly website and mobile app that make it easy to manage your policy and make payments.

3. Acceptance Insurance

Acceptance Insurance is another auto insurance company that specializes in providing coverage to high risk drivers. The company has a strong financial rating and offers a range of coverage options.

One of the main advantages of Acceptance Insurance is its network of local agents. The company has agents in many communities, which makes it easy to find local support and advice. The company also has a user-friendly website and mobile app that allow customers to easily manage their policies and make payments.

In addition to its convenient services, Acceptance Insurance offers a range of coverage options, including standard coverage and additional options like rental car reimbursement and pet injury coverage. The company also offers discounts for bundling policies and for safe driving.

4. Titan Insurance

Titan Insurance is a leading auto insurance company that specializes in providing coverage to high risk drivers. The company has a strong financial rating and offers a range of coverage options.

One of the unique features of Titan Insurance is its “accident forgiveness” program. This program ensures that your rates will not go up after your first accident, as long as you were not at fault. This can be a valuable protection for high risk drivers who may be more likely to be involved in accidents.

In addition to its accident forgiveness program, Titan Insurance offers a range of coverage options, including standard coverage and additional options like rental car reimbursement and emergency road service. The company also has a user-friendly website and mobile app that make it easy to manage your policy and make payments.

5. Dairyland Insurance

Dairyland Insurance is another auto insurance company that specializes in providing coverage to high risk drivers. The company has a strong financial rating and offers a range of coverage options.

One of the main advantages of Dairyland Insurance is its flexible payment options. The company offers a variety of payment plans, including monthly, quarterly, and annual options. This can be helpful for high risk drivers who may have difficulty making large upfront payments.

In addition to its flexible payment options, Dairyland Insurance offers a range of coverage options, including standard coverage and additional options like rental car reimbursement and pet injury coverage. The company also has a user-friendly website and mobile app that make it easy to manage your policy and make payments.

Also Read: Common Questions about Auto Insurance Coverage

Factors to Consider When Choosing an Auto Insurance Company

When choosing an auto insurance company, there are several factors to consider. These include:

• Financial stability: It’s important to choose an insurance company that is financially stable. This ensures that the company will be able to pay out claims if you need to file one. You can check an insurance company’s financial stability by looking at its ratings from independent agencies like A.M. Best and Standard & Poor’s.
• Coverage options: Make sure the insurance company offers the coverage options that you need. This may include standard coverage, as well as additional options like rental car reimbursement and emergency road service.
• Customer service: Choose an insurance company that has a reputation for providing excellent customer service. This will make it easier to get answers to your questions and resolve any issues that may arise.
• Price: Of course, price is also an important factor to consider. Compare the rates offered by different insurance companies to find the most affordable option. However, keep in mind that the cheapest option may not always be the best, as it may not provide the coverage you need.

Tips for Saving Money on Your Auto Insurance Premiums

There are several ways to save money on your auto insurance premiums. These include:

• Shop around: As mentioned above, it’s important to compare rates from different insurance companies to find the most affordable option. Don’t be afraid to negotiate with insurance agents to try to get a better deal.
• Bundle your policies: Many insurance companies offer discounts for bundling multiple policies. For example, you may be able to save money by bundling your auto insurance with your homeowners insurance.
• Maintain a good driving record: Safe and responsible drivers are less likely to file claims, so insurance companies may offer lower rates to these drivers. To maintain a good driving record, avoid speeding, traffic violations, and accidents.
• Increase your deductible: Your deductible is the amount of money you need to pay out of pocket before your insurance kicks in. By increasing your deductible, you can lower your premiums. However, keep in mind that this means you will have to pay more out of pocket if you need to file a claim.
• Take advantage of discounts: Many insurance companies offer discounts for things like being a good student, having a car with safety features, or taking a defensive driving course. Ask your insurance agent about any discounts that you may be eligible for.

In Conclusion

If you are a high risk driver, finding affordable auto insurance can be challenging. However, there are insurance companies that specialize in providing coverage to high risk drivers. Some of the best options include The General, SafeAuto, Acceptance Insurance, Titan Insurance, and Dairyland Insurance. By choosing the right insurance company and taking advantage of discounts and other savings opportunities, you can get the coverage you need at a price you can afford.