For a “high risk” driver in Alabama, it is a higher risk to drive an uninsured car than it is to have a high risk car insurance policy. If auto insurance companies consider you as “high risk,” it means you have road violations under your driving record and have caused auto-related accidents. Fortunately, there are effective steps you can do that may help lower your auto insurance.
First of, you need to be practical and go for a less expensive car. It is important to control yourself from getting a sports utility vehicle, a luxury car or a sports car, even if you have the money. These types of vehicles are considered as “high risk” by insurance providers. If you currently own a sports car, a luxury car or an SUV, it will serve to your advantage to choose a less expensive alternative. It will also be a major advantage to choose a car with essential safety features such as air bags, head restraints, traction control, anti-lock brake systems, as well as anti-theft devices since these can substantially lower high risk insurance rates.
Another simple, but effective thing you can do is to be a more conscious driver. Follow road rules and avoid moving violations at all times. A bad driving record can only lead you to higher insurance rates.
One more vital factor that auto insurance companies consider is mileage. Mileage greatly determines the rates of high risk auto insurance, so make it a point to monitor your monthly car use. Some of the practical ways you can do to maintain a low mileage is taking public transportation or joining a carpool to your workplace. Ride a bicycle if a car is not needed. Not only will you save on gas money, you will also maintain your car in good condition while lowering high risk auto insurance rates.
You should also monitor your credit score regularly. Maintaining a good credit score is very important since insurance providers check credit records from time to time. After a year, you can also go online to compare your current high risk auto insurance to other companies’ policies. You have a better chance of finding a better coverage after some time.
Most importantly, control yourself from driving under the influence of alcohol. Driving while intoxicated not only increases high risk auto insurance, it also puts your own life and those of others at “high risk,” literally. If you are caught and charged with DUI or DWI, your driver’s license may be revoked for good.
Following these practical steps may actually lower your Alabama high risk auto insurance rates.