Teen drivers consistently fall into the high-risk driver category year after year, but teens aren’t the only people considered high-risk drivers. Many other drivers also fall into this category.
If you’re not a high-risk driver, now is the time to learn the best steps to take to protect your low-risk rating. If you are a high-risk driver, you might be interested in finding out how to save money on your car insurance.
Buying high-risk auto insurance in NC doesn’t have to cost an arm and a leg. You can find competitive rates, but it might take some work. It might also require making some changes to your policy and your life.
Here is some information to help you know how to protect your risk rating if you’re a low-risk driver and some ways to cut your auto insurance costs if you’re a high-risk driver.
Ways to Protect Your Low-Risk Rating
If you’re considered a low-risk driver, you can work hard to keep this rating by doing several things. First, you’ll need to avoid car accidents, especially those that you cause.
Anytime you cause an accident that harms other people, they can file a claim against your policy. When this occurs, you end up with a claim on your record. If you can avoid all accidents, you can protect your low-risk rating.
The second thing you can do is avoid tickets and driving violations. While one ticket shouldn’t harm your low-risk rating, multiple tickets can. One major driving offense can also harm your rating, such as a DUI charge.
Protecting your driving record requires responsible driving habits, and it’s worthwhile to focus on these things. When you protect your driving record by avoiding tickets and claims, you’ll likely pay lower rates.
If you have car insurance in North Carolina, the insurance provider will reward you for your perfect driving record.
Ways to Handle High-Risk Factors You Can’t Control
Some people are high-risk drivers for factors they can’t control. Two factors that put people in a high-risk driving category are age and gender, and both factors are things you can’t control.
If you’re a high-risk driver due to factors like these, you can do a few things that will help you avoid staying in this category. First, give it some time.
Insurance companies in Charlotte, NC, might charge higher rates due to these factors, but time changes things. Young drivers pay higher rates due to their inexperience. As they gain experience through age and practice, their rates drop.
Male drivers tend to pay higher rates than females. While you can’t change your gender, time helps. As male drivers age, their rates tend to drop.
The second thing you can do is follow the tips listed above. By avoiding accidents and traffic violations, you can keep a clean record. A clean record will eventually benefit you with your auto insurance rates.
Ways to Save Money on High-Risk Auto Insurance in NC
If you’re a high-risk driver due to factors you can’t control, or due to your driving record, you can find ways to cut the costs of your auto insurance. Here are several tips that may help you find lower rates with insurance companies in Raleigh, NC:
Cut Back on Your Coverage Types
The first thing to consider is cutting back on your coverage types. In NC, auto insurance is mandatory, but you don’t need full-coverage insurance. You can cut back to a liability-only policy.
Cutting back on your coverage will limit your protection, but it will also reduce your auto insurance costs. You pay lower rates for less coverage. If you want to cut your rates instantly, this is an effective step to take.
Get a Different Car
Another way to save money on car insurance is by getting a different car. You might not realize how much of an impact your car has on rates, but the vehicle you have affects them.
For example, if you have a $20,000 car, you’ll pay higher rates than if you had a $3,000 car. Cutting back to a less-expensive car will lead to a drop in your auto insurance rates.
Raise Your Insurance Deductible
The next option you can pursue is your deductible amount. Your deductible controls how much you pay for car repairs after causing an accident, and adjusting this amount significantly affects your auto insurance rates.
If you have a low deductible, you’ll pay more for your plan. If you increase the amount, you’ll pay less. You might want to consider your options before choosing a deductible so that you can choose the right one.
Cancel the Add-Ons
As you consider your options, it’s also vital to consider canceling any add-ons you have. For example, if you have roadside assistance, it might be adding extra costs to your policy. Canceling it could result in money savings.
You may want to review everything on your policy to see what it has. Afterward, you can eliminate any unnecessary coverage types, such as the add-ons, that you don’t need.
Request Car Insurance Quotes
Finally, you can save money by requesting and comparing quotes. It’s also vital to choose a reliable insurance agency for your auto coverage, but there’s no need to overpay.
Requesting quotes can help you see the rate differences from several companies. You can then choose the plan that suits your needs the best!
Call Us for a Quote
Protecting your driving record is always the best way to save money on your auto insurance, but if you’re already a high-risk driver, you might not have this chance right now. You can save money on high-risk auto insurance in NC, though.
If you’re overpaying for your car insurance, contact us. We offer auto insurance policies for people of all ages and with all risk levels. We’d love to give you a free quote for coverage!
We service many areas in North Carolina, including Raleigh, Charlotte, and Durham. If you live in or near these areas, give us a call today!
