High Risk Insurance California – FAQs

On March 26, 2011, in OnGuard Insurance Blog, by admin

High Risk Insurance, what it is and how to save. Get FAQ’s and Low Cost Quotes on High Risk Car Insurance!

High Risk Insurance California – FAQs

What is High Risk Insurance in California?

High risk insurance in California is insurance for those drivers that pose a high risk of loss to an insurance company.  If you’re not a prop 103 good driver, you’re considered to be a high risk driver per the insurance companies.  A prop 103 good driver is one that has no more than one minor violation on his/her driving record, no major violations (DUI, reckless driving, speed contest, ect), no suspensions, no more than one non injury accident, no injury accidents, and one who has been continuously licensed for the past 3 years.  Anyone that does not meet these qualifications is considered by most insurance companies to be a high risk driver.  Insurance companies classify this market of people as the non standard market.  High risk insurance is basically any company providing auto insurance in the non standard market.

How do I get High Risk Auto Insurance Quotes?

You can get high risk insurance quotes simply by requesting quotes from any company and inputting all your violations.  Once your driving history is entered, the insurance company will either give you a rate or not accept you as a risk.  If you get a rate with your violations entered, then that insurance company is willing to accept you even though you’re a high risk.  Most insurance company quotes are given based on the information you provide so remember to input your violations.  Once you’ve received a quote and you’re ready to purchase, the insurance company will run your driving record to ensure the information you provided is accurate.

Where Can I Find The Lowest Rates for High Risk Car Insurance

Insurance Agencies are often times the best way to find low rates on high risk car insurance.  Insurance agents usually work with multiple non standard auto insurance companies that specialize in providing auto insurance for high risk drivers.  An agent can usually enter your information in a rater and instatnly see the rates of all the companies he/she works with.  They can offer you the lowest rate between them all.

How Long Will I Need High Risk Insurance for?

In California, you’re considered high risk unless you’re a prop 103 good driver.  You’ll need high risk insurance until enough of your tickets drop off your record for you to qualify.  Minor traffic violations stay on your record for 3 years, major violations for 5 years, and accidents for 3 years.

Is High Risk Insurance the Same as SR22 Insurance?

A person needing an SR22 is usually considered a high risk driver but not all high risk drivers need an SR22.  An SR22 is a filing attached to your auto insurance per the DMV and high risk insurance is insurance for those that the insurance companies consider to have a greater chance of loss.  They are similar but yet different, visit SR22 Insurance California for more information or SR-22 Insurance Quotes for a free quote.

 

OnGuard Insurance offers competitive rates on high risk auto insurance as well as DUI Insurance.  You can get an instant High Risk Insurance Quote online or by calling (888) 99-QUOTE.