If you compare auto insurance rates of low-risk drivers to high-risk drivers, you will see a significant difference. High-risk drivers pay much more for their car insurance than low-risk drivers due to the differences in their risk levels to the insurance provider. If you want to avoid paying high rates for your insurance, you will need to avoid becoming a high-risk driver. How do you avoid this, though? Here are some of the top ways to avoid being a high-risk driver and having to buy high-risk insurance.
Avoid Breaking the Law When Driving
The first thing you can do to avoid becoming a high-risk driver is to avoid breaking the law while driving. If you break the law while driving, you might get caught. If you get caught, you might end up with a ticket. Any time you get a ticket, it can add points to your driver's license, and your insurance company will find out about these points. A highly serious driving violation, such as a DUI, can instantly cause you to lose your license or fall into the high-risk driver category. Therefore, if you want to avoid paying higher rates, it is imperative to avoid traffic tickets.
Avoid Filing Claims
Secondly, any time you file a claim, it can result in paying higher rates. If you end up in several auto accidents and file several claims, you might fall into the high-risk driver category. As a result, you will pay higher rates. Therefore, you might want to start practicing safer-driving habits. If you drive safely, you can reduce your chances of getting into a collision. Avoiding collisions will help you protect your driving record, which will help you protect your auto insurance rates.
Take a Defensive Driving Course
One more thing you can do to avoid being a high-risk driver is to take a defensive driving class. Defensive driving is one type of course you can take to learn safer-driving habits. When you take this course and apply what you learn, you can reduce your risks of getting into accidents and getting tickets. Insurance companies often reward their policyholders by offering discounts to those that complete these courses. If you have points on your license, taking a course might remove some of the points. If so, you can protect your license by taking a driving course.
If you have questions about auto insurance rates, talk to a provider. An insurance agent can provide a quote and answer your questions.