What Every High-Risk Driver in the World Needs to Know About Shopping

It’s really, really easy to earn the title of high-risk driver, especially when you consider the way today’s insurance companies look to safe drivers to help them save. It’s hard to run a business that promises to pay the bills no one else can afford to pay and still make a profit, and they’re not very forgiving of drivers who find themselves on the wrong side of that equation.

That doesn’t mean you’re doomed to pay the piper when you write a check each month, however. Here’s what you need to know (and a couple of things you don’t, but we’re going to tell you anyway) about shopping for free car insurance quotes online.

First and foremost, “free car insurance quotes” doesn’t mean you’re going to find free insurance. It does mean you’re not going to pay a dime to find out how many dimes your insurer is going to charge you for your coverage, however! It also means that since you’re shopping online, you’re not going to spend hours of your time looking either.

The most important thing high-risk drivers need to know about shopping for free car insurance quotes online is that no two companies are the same. It’s easy to assume that all companies’ rates are similar; however, nothing could possibly be farther from the truth! Each company has its own set of procedures and policies when it comes to drivers and the things that put them on the “high-risk” list to begin with, including:

a) Accidents

b) Speeding tickets

c) License suspensions

d) Driving under the influence (DUI/DWI)

When you’re a high-risk driver shopping for an insurance policy that isn’t going to leave you living on bread crusts and JELL-O at the end of the month it’s important to know which companies are going to be on your side and which are going to crucify you for your mistakes behind the wheel. Many companies have an accident forgiveness policy with regard to your first accident. You have to admit, 2 accidents on your record looks much, much better than 3! They may also be willing to “forget” a speeding ticket, especially if it’s your first.

When you’re fighting against a “high-risk” label to bring your insurance rates back down, every little bit helps!

The other perk to shopping for free car insurance quotes online is the sheer quantities of quotes you’re going to be able to get! When you compare insurance quotes from 50 companies instead of 5 you have a much better chance of finding one that suits your budget. Sign on the dotted line, and keep cleaning up your record.