Ohio Car Insurance Tips for High Risk Drivers
The average car insurance premium in Ohio is $1,391 (in 2009); however, being a high risk driver can cause your insurance rates to be substantially higher than the average. You might be wondering, "Is there anything I can do to bring those rates down?" Let's explore your options in the state of Ohio and see if there's still hope!
What is a High Risk Driver?
A high risk driver is someone considered by auto insurance companies to be very likely to have an accident. If you've been stopped for speeding two or more times, have had numerous other traffic or moving violations, or have received a DWI or DUI, then you are probably considered to be a high risk driver. Companies also consider age and driving experience to be factors and how long you've actually been insured by another provider. If you're under the age of 24 or have been uninsured for more than 30 days, this can cause your insurance rates to be higher.
Specializing in High Risk Drivers
If you compare rates among top Ohio providers, you'll find that many tend to hike up their rates for high risk drivers (if they'll insure you at all). Fortunately, there are some providers in Ohio that specialize in high risk drivers. These will accept Ohio motorists that other providers refuse to cover.
You might have to do extensive research to find these providers, but using online resources will make it easier. Check with online quote sites to get a feel for the pricing and which companies seem to cater to high risk drivers.
Visit the website of the Ohio Department of Insurance to gather data as well. The Department's site offers a wealth of information for high risk drivers and general auto insurance information. It also provides information about the Ohio Automobile Insurance Plan (Auto Plan). The Auto Plan is mandated by Ohio state law and guarantees that you can buy liability coverage. Applying to the Auto Plan may be necessary if even the high risk providers will not cover you.
When Will the "High Risk" Factor Go Away?
If you are in the category of "high risk" then you'll need to keep your driving record clear of any accidents or tickets for at least three years. Some providers will look back at your driving record as far as five years. The best way to get your rates back to normal is to drive safely, pay your insurance premiums on time and prove that you are dependable in other areas of life. For instance, be faithful to pay other bills on time too because your credit score will affect your car insurance premium. Educate others in your home about the importance of safe driving. The entire family can suffer and/or benefit from one person's driving habits.
As your driving record improves, ask about discounts awarded for special safety features on your vehicle, taking a safe driving course, etc. These can also lower your rates. In a few years, you may feel confident enough to check quotes online again to see if there are cheaper options. If you prove yourself worthy, you'll be surprised at how forgiving some providers can be when they re-evaluate your driving history.
One More Tip
Even as a high risk driver, the type of car you drive can make a difference. Consider this...if you owe money on your vehicle, the car insurance rate will be much higher because you'll be required to purchase liability AND collision coverage. If you pay straight cash for a car, you'll only need to purchase the minimum amount of liability coverage as required by law. This can make a huge difference in your premiums. Consider downgrading to a cheaper, older car until your driving history gets back to normal.