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Insurance companies usually have different categories of insurance and when it comes to car insurance they usually consider people with a bad credit history, bad driving record, teenagers and adults between the ages of 18 to 49 as high risk drivers. For people in this category trying to arrange for a reasonable premium rate is like finding a needle in a hay stack. To get car insurance as a high risk driver you must do a lot of research and have a good knowledge of the insurance market. How to get car insurance as a high risk driver? To lower your insurance premium you must use the following pointers; 1. Always maintain a good and clean driving record. This applies to drivers of all age groups. Even senior citizens who have a good driving record can benefit from additional discounts so think about the benefits you can get when you retire. Before you apply or begin your search for insurance obtain a copy from your local authorizes of your driving record and make sure that all the information provided is correct. You must rectify any mistakes instantly, as this will affect your premium greatly. 2. Get as many quotations as possible from insurance companies for Cheap Car Insurance As A High Risk Driver so that you can paint a picture of the pricing options offered in your category. Stick to companies you are familiar with especially those in your locality. At the same time avoid using insurance companies that advertise a lot especially on television as they are bound to charge you high rates. You could also get quotations from a quote comparison website to make your work easier. 3. Once you have made your choice find out if you can qualify for any less comprehensive insurance plan. Many drivers do not require a comprehensive cover and therefore opt to buy a simple insurance covering them for injuries and accidents. 4. The type of car you drive plays a huge role in the calculation of you premium. Therefore, you should consider your choice of car before you buy it. Cars that are expensive and whose spare parts are hard to find are expensive to insure as compared to used cars. 5. Always ask your existing insurance company how can i get car insurance as a high risk driver. You should always begin negotiations with your existing insurance company especially if you are a parent who needs to add the name of their teenager in their policy. Consider taking a defensive driving course and ask your insurer if they will reduce you rate based on this. 6. Also find out if you qualify for any additional discount if you buy any other type of insurance such as travel or medical insurance from them. Some companies offer discount to professionals of certain occupations. Before you sign any contract and make the payment always go thru the agreement carefully and make sure you understand all the terms and conditions mentioned in the policy.
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