Car Insurance for High Risk Drivers

What does a high risk driver need to know about car insurance?

As a high risk driver, it can be harder for you to get car insurance, especially at affordable rates.  Though some larger companies offer high risk insurance through one of their affiliate companies, some companies may reject a high risk driver. 

If you are a high risk driver, you may need to obtain insurance through TAIPA.  TAIPA provides basic liability insurance for people who cannot obtain insurance elsewhere.  You can only qualify for TAIPA if you have been turned down by two different insurance companies.  You must have an insurance agent sign your application, then you send the application to TAIPA.  TAIPA will then assign you to an insurance company. 

Request a free auto insurance quote online now >>

What are average rates for high risk drivers?

The average rates for high risk drivers are higher than rates for safer drivers.  The exact rates you are offered will depend on your particular situation and the agent you choose. 

How does the insurance company view a high risk driver?

 Many insurance companies use a company called Comprehensive Loss Underwriting Exchange (CLUE) to look at an applicant’s insurance claims history. You can request a copy of your CLUE report by contacting the company:

• 1-800-456-6004
• www.choicetrust.com/index2.htm

Request a free auto insurance quote online now >>

How can high risk driver secure low cost car insurance rates?

Although TAIPA is a good choice for high risk drivers, they do come with rather high fees.  If you can, get insurance through another company.