High-risk drivers can fall into this category for any number of offenses, including multiple traffic tickets or accidents, a DUI conviction, or even having poor credit. Once you are labeled as “high-risk”, it can become difficult to find good car insurance at a reasonable rate. If this describes your situation, here are four things you need to know before you begin your search for the perfect policy.

1. Insurance companies do consider the type of car you drive and the price of your vehicle when it comes to setting a premium. If you’re a high-risk driver, this means that you may want to hold off on purchasing that luxury vehicle until your driving record is free and clear of any blemishes. For now, it’s probably a good idea to make sure that you drive a more cost-effective vehicle that has good safety ratings and features.

2. As a high-risk driver, you’ll need all the discounts that you can get. Fortunately, bundling your insurance policies may be able to help you get the coverage you need without paying sky-high premiums. If you also happen to own a home or RV, make sure you check with your chosen insurance company to find out whether you can get a lower rate for having multiple policies with the same company.

3. It’s a good idea for high-risk driver to make use of an agent who understands Insurance in Cromwell, CT. Not only will your agent be able to save you a ton of time by giving you lots of quotes without the hassle of having to shop around, but they may also be able to help you obtain deals that you couldn’t get on your own. Furthermore, you’ll have someone available to answer your questions and explain any parts of your policy that you may need clarification about.

As time goes on, it will become increasingly important for you to prove that you can be a good driver, especially since your insurance company will want to see improvement before they’ll reward you with a lower premium. In the meantime, high-risk drivers need to know that there are things they can do to find affordable coverage for their vehicle. If you’re a high-risk driver who needs a good policy at a reasonable rate, contact the professionals at Rice Davis Daley and Krenz Inc. to discuss your options and get help finding the policy that’s right for you.