High Risk Car Insurance For Married Couples

Reader’s Question:

I am honestly not a very good driver having been called “high risk”, having wrecked two cars for the last three years which were all covered by my prior car insurance here in Indiana and I have canceled that policy since I was no longer driving. My concern is, now that I’m married, would it affect my wife’s premiums once I go under her policy?

Peter

Fort Wayne, IN

It would definitely be possible for your previous driving and claims history to have an impact on your wife’s car insurance policy there in Indiana, once you are added. Most car insurance companies require spouses to be added as named drivers if they are going to be driving the insured vehicle, and they would probably be able to see your past driving record and might consider you a high-risk customer, depending on the severity of the previous car accidents you got involved in. The option to exclude yourself from your wife’s policy is of course, a personal decision, but keep in mind that if you choose to do so and you get involved in another car accident there in Indiana, don’t expect your wife’s insurance carrier to cover you.

What you could do is to go ahead and have yourself added under your wife’s policy, and work on improving your driving history, it would take at least a couple of years of good driving before you can expect your risk and rates to be lowered again. In the meantime, here are some tips to help you manage you and your wife’s car insurance premiums:

· Do take Defensive Driving Programs. It will teach you how to keep safe while on the road while also making you & your wife eligible for discounts. Ask your insurance carrier for a list of accredited schools in your area.

· Consider driving an old or less expensive vehicle that costs less to insure. Increasing your deductible would also lower premiums.

Cheap Auto Insurance Companies

Reader’s Question:

My husband has some trouble with his very high car insurance for he is actually labeled as high risk driver because of a DUI. Though it is his fault why he is in this situation, our family budget is affected with his high car insurance. I just want to ask if he can do anything to lower his rate and how can insurance determine whether a driver is high risk or not?

Elise

Jersey City, NJ

It is actually the most common thing for auto insurance companies to give higher car insurance rates for those who have violated the law of the road. Fortunately, there are still ways on how you can make your car insurance rate lower for in New Jersey you can do a little research before you compare car insurance quotes through online. You can always look for high risk car insurance company and they will give you quotes for high risk drivers. By doing the comparison thing, you will be able to make the right choice without any regret at the end.

You should know how high risk car insurance companies determine a high risk driver. It is considered a high risk driver if the driver has three or more convictions, a single conviction of DUI, hit and run driving, vehicular negligent injury, or reckless operation of a vehicle within a twelve month period. A high risk car insurance company would require a driver to get a high risk car insurance if a driver has a record of DWI or DUI, if a driver has gaps or doesn’t maintain car insurance for several times. Another thing that requires a driver to get a high risk car insurance is if a driver is a teenager, a neophyte driver or those people who have been involved in many accidents but not at fault. You can have a good rate and protection if you have chosen the right high risk car insurance company.