While it’s difficult to find affordable car insurance today, it is even harder to find cheap rates for the high-risk driver. There are several categories of high-risk drivers, which include teenagers, first-time drivers, and those who have poor driving records, have amassed citations, or those who have DWI’s on their record. However, there are several other instances that may put you into this category without you even being aware of it. Before you shop around for car insurance, you need to be aware if you are classified as a high-risk driver, why you might be classified as such, and how you can still find insurance online, after studying the quotes available that will give you ample coverage without emptying your wallet.
If you are a teenager, in your early twenties, or are a first-time driver, you will most likely be considered high risk. Insurance companies view young people or those who have just obtained their licenses as an insurance risk because they do not yet know the rules of the road. New drivers may break traffic laws out of ignorance and cause accidents for the same reason. Younger drivers, especially teenagers, are prone to speeding and reckless driving because they want to show off for their friends. Teenage drivers are also more apt to text while they are driving, which has caused a great deal of accidents and fatalities on the road. As a result, it is hard for these individuals to find cheap auto insurance quotes. Teenagers who drive brightly-colored cars, such as those that are red or yellow, are considered an even higher risk because cars like these are more easily noticed by police and are more likely to be pulled over for minor traffic violations.
Even if you do not fall into any of these categories, you still may find yourself unable to find affordable auto insurance quotes. This might mean that you are in another lesser-known high-risk category. While it’s common knowledge that younger drivers and those who have had a number of accidents pay higher premiums, what you may not know is that your credit score also directly affects your car insurance. When you pay your bills late or shirk your financial responsibilities, car insurance companies may view you as someone who is irresponsible. Before you go online to find a quote, you should check your credit rating to make sure that you won’t be seen as a bad risk. There are many sites online where you can check your credit rating for little or no cost.
Even if you are classified as a high-risk driver, there’s still a chance that you can find affordable auto insurance quotes. There are many sites online that help drivers get insurance, even if there are other companies that will not insure them or force them to pay premiums that they can’t afford. However, you should never sign up with the first company you find. Take some time and do a bit of comparison shopping, for example HERE so that you’re assured of getting the best deal.
You’ve just gotten into a collision. Perhaps someone rear-ended you or you took your eyes off the road for a second and wandered into an intersection causing a pileup, or maybe you just bumped a car in the parking lot. In any of these situations, it can be scary, unnerving, and confusing. The best website to find the solutions to such situation is here!
Have a good plan of action before you get into a collision. Any good plan will ensure that you get out of the situation safely and securely, as well as making good financial and legal decisions.
For minor accidents, you need to stop the vehicle when and where it is safe and legal to do so. You might have no choice but to stop right there in the middle of the road, but pulling over to the side or even into a parking lot is better. Don’t drive out of eyeshot of the place of the collision, however.
Turn off your vehicle and calm yourself down.
In a collision, the body releases a lot of adrenaline and the heart begins to pump rapidly. This is a sort of instinctive response to danger, but it won’t be helpful to you in a collision.
To calm yourself down, try to count your breath and talk to yourself, saying, “It’s going to be alright. I’m safe now and everything will be fine.”
Check to see that each person impacted by the collision is alright: your party, the people in the other cars, and any pedestrians that might have been involved. Write down everyone’s name and basic information, including phone number, address, insurance, vehicle make and model, and license plate number. If someone is hurt, call an ambulance even before the police.
Call the police. They will secure the area and assist you through the rest of the process. On the phone, you will be asked to provide some basic information about the accident and the people involved. Stay calm and answer their questions completely and well.
While you are waiting for the police, there’s a few things to do:
- Nurse the injured
- Mark off the scene of the collision with reflective triangles or flares if there is glass, metal, or an inoperable vehicle on the road
- Take a picture of the collision site and the vehicles involved. You can also draw a diagram of the collision, noting the surroundings and the position of each vehicle on the road. Mark the date, time, and exact location.
Do not discuss fault with the other drivers. Only talk to the police and/or a lawyer aboutthe collision. Later, you will have to sort it out with car insurance agents or claims adjusters.
When the police are done, get a copy of the police report for your legal and car insurance purposes.
Keep friends and family close for at least a week to make sure you have help dealing with the emotional stress of a traumatic car accident.
Since you have nothing to hide and have good, detailed records of the event, feel confident when filing a car insurance claim.