If you are looking for information on high risk driver insurance in Wisconsin, we at Action Insurance Agency are here to provide it. High risk is the insurance category reserved for drivers with past driving violations, inexperience behind the wheel, or poor credit. If you meet any of these criteria many insurance companies will consider you a high risk driver and your car insurance premiums will be higher as a result. While some insurance companies won’t insure a motorist with negative marks on their driving record, there are plenty of reputable carriers who will insure high risk drivers. We’re here to help you choose the best for your specific needs.
Best High Risk Auto Insurance Companies
If you already fall into one of the categories that requires high risk auto insurance, there are some companies that cost less than others when it comes to insuring you. We constantly monitor and compare that offer this type of coverage on our customers’ behalf. While your rates will differ from others we have insured, our insight can help you figure out where to begin.
On average there are insurance providers that tend to be the cheapest high risk auto insurance option of the bunch in both speeding and young driver scenarios. For the DUI + Accident scenario there are a handful of providers that offer the lowest rates. As with any other business or service, providers change their rates and what they offer as far as coverages as often as they feel best to operate their business. To find cheaper high risk auto insurance, we compare quotes from multiple providers. If you’re interested in getting help with what the best options are for you, ask the high risk auto insurance specialists at Action Insurance Agency.
Who needs high-risk auto insurance?
Many companies specialize in high-risk auto insurance for nonstandard drivers, but there’s really no standard definition all insurers use. Some of the reasons you might be flagged as a high-risk driver include people who:
- Have received moving violation(s)
- Are newly licensed
- Are among the elderly crowd
- Have allowed coverage to lapse
- Have been convicted of a DUI or DWI
- Own an exotic or high-powered vehicle
- Have poor credit
- High-risk auto insurers cover drivers who require an SR22 and they have the power to file the form with your state’s department of motor vehicles, if you are required to have it.
How much does it cost?
Drivers that fall under any of the high risk categories will see their insurance costs rise relative to what an average driver would pay. To give you a sense of what the difference between these rates are a list of data across all 50 states for three categories of high risk drivers was compared. The rates that you will pay for high risk driver insurance is a wide range depending on your driving record and any recent offenses, your state’s requirement for minimum coverages, and the provider that you choose for coverage. We can help you navigate all of this information and ultimately save you money.