Insurance Tips for High-Risk Drivers in California
Lisa Martinez
Insurance specialist focusing on high-risk and SR-22 policies for over 15 years.
Expert tips for high-risk drivers in California to secure affordable coverage despite driving record issues.
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Understanding High-Risk Classification
High-risk drivers are those whom insurance companies consider more likely to file claims. While this results in higher premiums, you can still find affordable coverage with the right strategy.
Important:
Even as a high-risk driver, maintaining continuous insurance is crucial to avoid additional penalties and eventually improve your rates.
Common High-Risk Factors
Traffic Violations
- • DUI/DWI convictions
- • Speeding tickets
- • Reckless driving
- • Driving without insurance
Other Factors
- • At-fault accidents
- • Coverage gaps
- • Poor credit history
- • Young/elderly driver
Money-Saving Tips
Proven Strategies to Reduce Costs
1. Compare Multiple Insurers
Different companies assess risk differently. One may offer better rates for your specific situation.
2. Consider Higher Deductibles
Raising deductibles can significantly reduce your monthly premiums.
3. Take Defensive Driving Courses
Many insurers offer discounts for completing approved traffic safety courses.
4. Maintain Continuous Coverage
Gaps in insurance can further increase your future rates.
Frequently Asked Questions
Frequently Asked Questions
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