If you’re in the ‘high risk auto insurance pool,’ you are probably paying a considerable amount of money for your automobile insurance every month.
There are things you can do that can get you out of that high risk insurance pool, regardless of what caused you to be put on it in the first place (DUI, reckless driving, a high number of speeding tickets or moving violations, etc.).
Take these five steps and you should begin getting yourself in a better position to get insurance outside of the pool.
Step #1: Address the mistakes you’ve made.
If we don’t accept our mistakes and take responsibility for them, we are simply bound to repeat them again and again. If you were caught speeding several times, slow it down.
Step #2: Establish monthly and weekly driving goals.
It’s easier to see success and that you are moving in the right direction when you break everything down into smaller increments. Instead of saying you don’t plan on getting any more tickets this entire year, that’s a long time to do that. Instead, break it down to weekly and monthly goals.
Step #3: Speak to a licensed and experienced insurance broker.
When you speak to an insurance broker, he or she can determine exactly what you might need to do in order to move off the pool as quickly as possible.
Step #4: Consider a less expensive vehicle to drive.
You might love that sports car, but it’s also causing you a great deal of trouble with your insurance rates. If you get rid of that car and purchase something cheaper, less profile, and maybe even slower, it could help you move out of the pool in the near future.
Step #5: Attend any classes you were ordered to.
If you were ordered to attend driver’s training classes because of your moving violations, or maybe it was alcohol rehab, complete those programs and show your insurance company you’re taking steps in the right direction.