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Low Cost Auto Insurancefor High Risk Driver

By Phil Richard Subscribe to RSS | February 14th 2012 | Views:
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The cost of auto insurance coverage mostly depends on the possibility of a driver getting involved in accident cases. Those who drive on road must have encountered with rash drivers those drive very rashly. These motorists are called high risk drivers and usually insurance companies charge higher premium to these drivers. However these high risk drivers can also find affordable auto insurance, but they need to put in a bit extra efforts than normal drivers.

High Risk Drivers

A high risk driver is generally one who is more risky to auto insurance company. There are different variables on the basis of which drivers’ risk is decided.

• Most common factor due to which drivers are considered risky is the age of the driver. Basically younger and inexperienced drivers come in this category. Youngsters of less than 21 years are considered drivers with high risk. They are more prone to meeting with an accident because of their careless driving.

• Drivers who are found to be involved in more accident cases are considered higher risk drivers as compare to those who are hardly involved in such cases.

• DUI offenders are also high risk drivers and charged extra premium. These drivers get more tickets because of disobeying the law of drunken driving.

• People who own sports car are also considered high risk drivers because of their driving speed.

• Drivers who are in the profession of race and stunts are also high risk drivers and charged higher premium because of high insurance coverage they require.

• Rivers with more points on their license are also high risk drivers because of disobeying traffic rules.

Insurance provider charge higher premium to these drivers because of their own increased risk chances of insurance claims are more with these drivers and insurer cover themselves in advance.

Methods to Get Affordable Massachusetts Auto Insurance

MA drivers get points on the license for breaking any traffic law or getting involved in accident. Higher the points, higher will be the premium paid by the vehicle owner for extra coverage. So you can get reduced your premium by reducing these points. With this you can prove insurance agencies that you are a safe driver. You can also get these points removed by attending the safe driving course.

As high risk drivers are put in non-standard market they can leave this market by avoiding accidents and obeying the traffic rules. It will make it easy for you to find adequately priced car insurance. Once you leave non-standard insurance market it will be very easy for you to get affordable car insurance.

You can also get cheap auto insurance for your car by equipping your car with safety devices like automatic seat belts and anti-lock brakes. It increases the confidence of your insurer that you believe in safe driving and he gets ready to give you insurance coverage at reduced premium.

High risk drivers can bring their premiums down by taking advantage of different discounts provided by the insurance agencies. For example teenagers are taken as risky drivers because of their experience, speed at which they drive their habit of taking unnecessary risks and driving without belt. They can still get lower premium by keeping their record clear because in MA drivers are given discounts for clean driving records.

They can also get cheap insurance quotes if they spend some time online. There are many insurance agencies in the market and all have different methods of calculating risk and premium. Possibility is there you get an insurer who is ready to give you lower premium even if you are high risk driver. You should also shop around before making a final decision. Get quotes from as many companies you can get to make comparison. High risk drivers should make all the efforts to leave the non-standard market to minimize their efforts of getting low cost auto insurance MA.

Phil Richard - About Author:
Phil Richard Insurance is an Insurance agency that provides fast and free Insurance quotes for Auto Insurance Massachusetts. Phil Richard office includes the most knowledgeable professionals supported by a state-of-the-art computer system for rate comparisons. Phil Richard reputation is built on quality, trust, convenience and pricing. Phil Richard reputation is built on quality, trust, convenience and pricing. You can always make payments by phone or set up EFT (Electronic Funds Transfer). Please visit http://www.philrichardinsurance.com/billing.html for more details or feel free to call us at 1-800-287-4338.

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