High Risk Car Insurance ' Information You Need

High Risk Car Insurance, also called 'Non-standard Insurance', is an auto policy that is meant for high risk drivers. To know if you need a non-standard insurance, you need to first establish whether you are a risky driver. Let us continue telling you about high risk coverage...

First of all, you need to know if you are at risk. You are one if:

1. You are 70 or more years old, 2. You are 25 or less years or younger, 3. You have a history of accidents or violations, 4. Your license has been suspended and you require SR-22 policy for reinstatement.

Sometimes, even being a student can get you listed as a risky person. The assessment team also obtains your list of claims and if you've made plenty of these, they figure you are likely to continue causing accidents and claiming again. Generally, though, it is the driving record that determines it. A bad record automatically gets you labelled a 'bad driver'.

It is easy to see that some of the points that disqualify you from benefiting from a normal cover are not fair. Appreciative insurance companies ought to treat the 70 year old as an experienced driver. But they don't.

Once you have been listed as a risky driver it literally translates into higher cost for your cover. In fact, the worse your record is, the higher your premiums and the fewer your bonuses. An example: one speeding point in your license could cost you 5 percent or more for the same policy you have. Two speeding points raises the cost by about 20 percent. Even worse, while these points stay for a whole 4 years on your license, insurance companies do not remove them from their records for another full year!

Of course there are ways of reducing the possibility of getting deeper into the infamous list and paying more for so little cover. In fact, there are ways of practically steering clear of the list, if you haven't made it yet. The basic rules are, train and practise to be a careful driver, park your car out of possible danger and don't speed.

Still, you can get offers even if you are a 17 year-old or over 70. The best way is to read articles and news on what car insurance is available. You can then compare quotes online and pick the best. Some companies offer discounts when you've taken certain driving courses or for being a good student during these courses.