Finding Better Insurance PlansFinding Better Insurance Plans

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Finding Better Insurance Plans

After I switched jobs, I knew I would probably be faced with choosing a new insurance policy. I was nervous about the transition, but I knew it had to be better than the plan I had been using at my old job. I started going through the options with the human resources person, and it took me a long time to understand the different options. After a thorough evaluation, I opted for a health savings account, which let me keep a large percentage of what I would normally be paying in premiums every single month. Check out this blog for more information about health insurance plans.


High-Risk Driver? Things You Can Do To Change This

When auto insurance companies calculate premiums for drivers, they classify the drivers by risk levels. If you are in the high-risk category, it means that you have the highest level of risk to the insurance company, and you will pay more for your insurance coverage because of this. If you are tired of paying a lot of money for insurance coverage because of your high-risk status, you may want to take the following steps to help change this status to a risk level that is less than this. Here are some of the ways you might be able to do this.

Understand Why You Are In This Category

The first step is understanding why you are considered a high-risk driver in the first place. This could have something to do with your age or gender, or it could be the result of your driving record. Anyone that has been charged with a DUI or DWI will automatically be considered a high-risk driver, but people are also considered high-risk drivers when they are teenagers. There are a lot of factors that can be involved with this, and you can ask your insurance company what their reasoning is behind this if you do not understand.

Complete Your SR-22 Requirement

If you are a high-risk driver, there is a chance that you may have to obtain SR-22 insurance coverage. If this is a requirement, you must complete it. Without completing it, you may lose your driving privileges, and you will never be able to get past the high-risk driver category.

One important thing to understand about SR-22 coverage is that you must complete the period consecutively. If you are told you need this for two years, you must have the coverage for two straight years without any lapses in the middle. If your policy lapses, the two-year requirement will begin again, and this will prolong your ability to have cheaper car insurance.

Take Defensive Driving

Another good way to lower your risk level with your auto insurance company is by taking a defensive driving course. These courses teach drivers how to drive more safely and how to avoid accidents, tickets, and other problems. By taking a course like this, you may be able to get a lower rate on your auto insurance. In addition, there are times when taking these courses will help people get traffic violations dropped off their records. If you can accomplish this, your status might improve simply by taking a course like this.


The final way to improve your risk status with your insurance company is simply to wait. Waiting may not be fun and might seem like it takes forever, but this is often the only way to move past being a high-risk driver. With time, you might be able to save money on auto insurance simply by getting older. For example, once you turn 25 years old, you may qualify for a better rate on your policy.

As you wait, you should try to avoid all types of traffic violations, including tickets, accidents, and crimes. If you can do this and complete all the necessary requirements, you will be able to drop the high-risk status from your insurance. This does not happen overnight, though, but it will in time if you make the right decisions.

If you are currently considered a high-risk driver, you may want to call around to get quotes on auto insurance. While all companies might view you as a high-risk driver, you will be able to compare quotes from the auto insurance companies to find the one that is the most affordable policy for your situation.