Wanted: California High Risk Car Insurance Drivers
Don’t you wish an insurance carrier were advertising for that? If you live in California and you are looking for high risk auto insurance – affordable high risk auto insurance – then you understand the challenges that you face in acquiring comprehensive auto insurance that doesn’t break the bank.
There are, unfortunately, numerous ways one can become a driver that necessitates California high risk car insurance. If you’ve gotten too many tickets, you’re high risk. If you own what is classified as a high performance car and you have just one ticket, you’re high risk. If you’ve had two or three accidents in the past three years, you’re high risk. If you’re under the age of 18, you’re high risk. And when you’re high risk, insurance agents and carriers don’t want to know you. Or if they do, it comes at a very high price.
Many people who haven’t been able to get California auto insurance coverage because they are high risk often give up and drive uninsured. This is first and foremost, against the law. If you get pulled over by the police the consequences can be dire. Not to mention the fact that if anything happened to you or to someone you hit, the medical bills would make your high risk auto insurance bill seem like chump change. Bottom line: do not drive uninsured. It’s simply not worth it.
The best advice is, of course, shop around. Shop intelligently, though. If you are someone who is classified for California high risk car insurance your best bet is to go with an insurance broker. An insurance broker, unlike an agent or direct carrier, can offer various programs to choose from. Also, you, not the carrier, employ an insurance broker. This means his/her first obligation is to you. When an agent or carrier won’t touch you with a ten-foot pole, there is hope in the insurance broker.
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