expert tag & motor vehicle services

quick turnaround time

4910 new utrecht ave. brooklyn, ny 11219

expert tag & motor vehicle services

quick turnaround time

4910 new utrecht ave. brooklyn, ny 11219

How to Get the Best High-Risk Auto Insurance

How to Get the Best High-Risk Auto Insurance

Getting car insurance is easy. You research different providers, learn about their policies, and determine the best one for you. But what if you need high-risk auto insurance? Is the process still so simple? 

Buying high-risk auto insurance isn’t the hardest task ever. In fact, it’s pretty similar to purchasing regular car insurance. You’ll have to take the same steps in both scenarios. However, for high-risk auto insurance, your research process might be a little lengthier than usual. 

If you’re a high-risk driver, it’s not easy to find a great provider to insure you. What’s even harder is finding one when you’re shopping on a budget. But if you want the best high-risk auto insurance at a cost-effective rate that makes sense for you, it’s not impossible to find.  

What is high-risk auto insurance? 

Before you start looking for high-risk auto insurance, it’s essential to know what it means to be a high-risk driver. While the term sounds frightening, it doesn’t have as bad a connotation as you might assume. In fact, it doesn’t directly even mean that you’re a terrible driver.  

Insurance companies consider many people as high-risk drivers, and the reason for this varies. You might need high-risk auto insurance in the following scenario: 

  • Your insurance coverage has lapsed in the past
  • You have received speeding tickets or tickets for traffic violations
  • You have DUI convictions
  • You’re at fault for accidents
  • You just got your license
  • You’re a driver with poor credit
  • You’re elderly
  • You own a high-powered or exotic vehicle

The reasons for getting high-risk auto insurance can fall anywhere on a broad spectrum. 

You might need it because of a circumstance you can’t avoid, like growing older or getting your license for the first time when you’re 16. Or, you might need high-risk auto insurance because you’ve found yourself in a situation that you could’ve avoided like buying an exotic vehicle.  

Either way, the question always comes down to whether or not you’ll ever have an opportunity to get regular car insurance. Will you always be a high-risk driver?

How long are you considered a high-risk driver?

Just because you’re a high-risk driver today doesn’t mean you’ll be one tomorrow. Each U.S. state allows a certain amount of time for driving penalties to stay on your record. And sometimes your auto insurance company will suggest tips to help you decrease the points on your record. 

For example, your provider might reward you for attending a defensive driving course or a traffic safety class. You might also reduce the points on your driving record by having a car with more advanced safety features and obeying traffic and parking rules. 

Either way, you can encounter ways to strip the label of “high-risk driver,” which is welcome news if you’ve made a few mistakes on the road. However, if you love to buy exotic, high-powered vehicles or drive as an elder, you might not escape the high-risk category. Still, that might be a small price to pay to have your favorite cars or continue driving as a senior. 

Who provides high-risk auto insurance?

Regardless of why you’re a high-risk driver, you’re going to need high-risk auto insurance. Some major car insurance companies offer this type of coverage. Geico and Progressive are two great examples. 

But as with any major insurance company, you’re going to come across steep prices. Big providers like to use industry algorithms to determine their rates, but these algorithms are exploitative and usually increase your policy’s price. 

What’s worse is that nonstandard auto insurance companies that are willing to cover the riskiest drivers also charge higher rates. These nonstandard businesses know it’s hard to find high-risk auto insurance at standard providers, and they take advantage of this information by demanding high prices. 

How much is high-risk auto insurance?

The cost of your high-risk auto insurance will depend on various factors, including your location, driving history, gender, age, and the type of coverage that you want. However, the national average for high-risk auto insurance is $1,427 per year. That’s about $118 per month. 

If you want full coverage, that price can double, especially once major and nonstandard providers consider other factors. But if you want minimum coverage, that price will decrease, but not significantly enough to brag about it. 

NerdWallet found the average rate for high-risk auto insurance if you want full coverage and minimum coverage. The media outlet also examined why you might be a high-risk driver to better predict the price you’d pay. Here’s what their research suggests. 

The average rate for high-risk auto insurance for a 25-year-old with poor credit is the following: 

  • Full coverage: $2,894 per year
  • Minimum coverage: $1,195 per year

The average rate for high-risk auto insurance for a 40-year-old with poor credit is the following: 

  • Full coverage: $2,506 per year 
  • Minimum coverage: $1,078 per year

The average rate for high-risk auto insurance for a 25-year-old with an at-fault accident is the following: 

  • Full coverage: $2,451 per year 
  • Minimum coverage: $1,008 per year 

The average rate for high-risk auto insurance for a 40-year-old with an at-fault accident is the following: 

  • Full coverage: $2,146 per year
  • Minimum coverage: $910 per year

The average rate for high-risk auto insurance for a 25-year-old with a DUI is the following: 

  • Full coverage: $2,911 per year
  • Minimum coverage: $1,204 per year

The average rate for high-risk auto insurance for a 40-year-old with a DUI is the following: 

  • Full coverage: $2,531 per year 
  • Minimum coverage: $1,079 per year

Regardless of the situation, high-risk auto insurance is typically expensive, making it imperative to find the best rate possible. And while options are few, you can find great coverage for a reasonable price. 

Who offers the best high-risk auto insurance?

If you want high-risk auto insurance at a fair rate, you shouldn’t use a major provider or a nonstandard agency. 

For the best coverage, use Barry Risk Management, Inc. Our parent company is Barry Risk Management, a business that specializes in helping people find and purchase the proper coverage for all of their everyday essentials.

With their help, Barry Risk Management, Inc. finds the best rates and coverage for high-risk drivers. Instead of relying on manipulative industry algorithms to find a policy, Barry Risk Management, Inc. manually reviews yours needs to match them with the ideal coverage. 

You don’t have to worry about paying ridiculously high prices or spend all of your shopping around for a fair deal. With Barry Risk Management, Inc., you can get high-risk auto insurance at a great rate in no time. 

If you need high-risk auto insurance, contact Barry Risk Management, Inc. today to discover a policy and auto insurance quote that works for you!

Did You Know?

The Barry Risk Management, Inc. Team is continuously updated on new DMV regulations, requirements, & forms to ensure we are providing you with the most current information.

Nathan
Nathan
Read More
Having Barry Risk Management is like having a bunch of great employees without the expense. Great team over there.
Kal
Kal
Read More
These guys are fantastic at what they do. We use them for all of our auto and insurance issues. I haven't had to step foot in the DMV for years.
Megan
Megan
Read More
Everyone at Barry Risk is an expert in driver services. They can handle just about anything my team throws at them.
Raymond
Raymond
Read More
We've depended on Barry Risk's dealer services for years. Their speed and knowledge has made us look great to our customers and helped us grow our business.
Previous
Next
Safe & Secure Transactions
FULLY INSURED & CYBERSECURED

Got a question?

Most issues can be answered by visiting the FAQ SECTION Otherwise, please use the contact form or call us.

Mon – Fri 9am – 5pm

We do not deal with driver’s licenses or photo identifications.

Disclaimer

 

PLEASE REVIEW THIS PRIVACY POLICY STATEMENT BEFORE USING THIS SITE. IF YOU DO NOT AGREE WITH OUR PRIVACY POLICY STATEMENT, DO NOT USE THE SITE. BY SUBMITTING ANY PERSONAL INFORMATION TO THE SITE, YOU AGREE TO BE BOUND BY THE TERMS OF THIS PRIVACY POLICY STATEMENT.

Your use of this site is also subject to the Terms of Use. Please review those Terms of Use for additional details regarding your use of this site.

GENERAL INFORMATION

IP Addresses and Cookies

Generally speaking, you may visit the site while remaining anonymous.

Our websites automatically log your IP address and domain name, and non-personal information such as the type of web browser you use, to help us administer the sites and to compile statistics such as the number of visitors.

Our websites use cookies to identify you over multiple visits to the site, for example to remember your country and provide country-specific content. Cookies are optional, and you can block or delete them. However, some parts of our websites (e.g. chat pages, Online Store) will not work without cookies. Cookies may also be used to track visitor behavior on the website, which allows visitors to be retargeted with digital advertising that reflects their past behavior on the site.

The Types of Cookies Avid Uses

Session cookies: These cookies are temporary and expire once you leave the site. Session cookies are mainly used by online stores to hold your items in the basket while you are shopping online.

Persistent cookies: Persistent cookies may stay on your disk for a long time after the session is ended. These cookies may hold data such as login details, contact information and account numbers, so that you don’t have to type them in every time you use the site. When using the Avid Online Store, persistent cookies may use data to hold items in your shopping cart or send you reminders about items you have left in your shopping cart but have not yet purchased.

Avid also permits third-party advertising partners to use cookies and other technology to collect information about your browsing activities over time and across different websites when you use our site. Through a process called “retargeting,” each service places a cookie on your browser when you visit our site so that they can identify you and serve you ads on other sites around the web based on your browsing activity.

For information on how to disable cookies on your computer, visit the Managing cookies page.

Submission of Personal Information

Certain portions of the site may require that you submit some personal information, such as your name and email address, before using those portions of the site. At minimum, you are typically required to register with the site and provide your name or email address before using any of the members only areas of the site. For some services, such as forums, Avid Link, customer support features, registering for events or contests, downloading software or uploading content, you may have to create an account, and submit additional personal information such as your mailing address.

Use of Personal Information

Avid uses information it collects to provide the services and information you select, to better understand its customers, to provide better products and services, and to assist with site administration, such as with troubleshooting any problems, detecting fraud, resolving disputes, and for any purposes deemed necessary or required by Avid to enforce the Terms of Use and other terms or conditions applicable to any portion of the site.

We also use this information to send you information about Avid, or other topics Avid thinks may be of interest to you, such as product information or updates. As part of its business, Avid works with authorized partners, such as authorized resellers, to provide you with the services and information. As part of those activities, Avid may share your information with those authorized entities so that they can directly provide the information or services to you.

The processing of your data is either based on your consent or in case the processing is necessary for the performance of a contract to which you are a party, or in order to take steps at your request prior to entering into a contract.

If the processing is based on your consent, you may at any time withdraw your consent by contacting us at privacy@avid.com or the address listed below. This email address is for privacy related inquiries only. All other requests, such as for product support, will not be replied to. For product support and troubleshooting, please contact Avid Customer Care by clicking here.

In order to enter into a contract regarding the purchase of Avid’s products or services, you must provide us with the required personal data. If you do not to provide us with all the required information, it will not be possible to deliver the product or service.

Avid keeps the information you provide for as long as you remain an active user of the site and recipient of our information.

Aggregation and Use of Anonymous Data

Avid aggregates information provided by you to create anonymous statistical and demographic data. This anonymous data helps Avid to understand and know its customer base better. That anonymous data may be provided to third parties but never in such a fashion as to identify you personally.  Some Avid products and websites use Google Analytics for the collection of anonymous data. Learn more about how Google uses data collected using Google Analytics.

The Google Analytics features that Avid employs are as follows:

  • General Features related to browsing behavior such as: browser type/version and language, operating system type/version, device type/version, domains, page views, referring/exit pages, location data such as country, information about how you interact with our Site’s webpages and with third-party links, traffic and usage trends.
  • Demographics and Interest Reports: Age, Gender, Interest Data.
  • Advertising and Remarketing: This includes data from Google’s signed-in users who have chosen to enable Google to associate their web and app browsing history with their Google account, and to use such information from their Google account to personalize ads.
  • User ID Tracking: To combine sessions across multiple devices and interactions for logged-in users.
  • Site Search Tracking: What a user typed into the sites search feature.
  • eCommerce Tracking: Information related to product purchased, price, date and time of purchase, order #, etc.
  • Enhanced eCommerce Tracking: Information related to products viewed, products added/removed to cart, onsite promotions clicked, currency, refunds, etc.

You can opt out of Google Analytics by using this tool:
https://tools.google.com/dlpage/gaoptout/