High Risk Driver Car Insurance in Wilmington
What is High Risk Driver Car Insurance?
High risk driver car insurance is a type of insurance designed for drivers who are considered to be a higher risk to insurance companies, due to factors such as:
- DUI/DWI convictions
- Reckless driving
- Multiple at-fault accidents
- Driving without insurance
- License suspensions or revocations
How Does High Risk Driver Car Insurance Differ?
High risk driver car insurance differs from standard car insurance in several ways:
- Higher Premiums: Due to the increased risk, premiums tend to be higher.
- Stringent Requirements: You may face stricter underwriting requirements, such as needing an SR-22 filing.
- Limited Options: Not all insurance carriers offer high-risk driver insurance, limiting your choices.
Finding Affordable High-Risk Car Insurance
Finding affordable high-risk car insurance can be challenging, but it is not impossible. Here are some tips:
- Shop Around: Compare quotes from multiple insurers to secure the most competitive rates.
- Clean Driving Record: Maintaining a safe driving record can reduce your premiums over time.
- Discounts: Ask about discounts for defensive driving courses or bundling policies.
- Higher Deductible: Increasing your deductible can lower your premium but ensure you can afford it if a claim arises.
SR-22 Insurance
An SR-22 is a certificate of financial responsibility required in certain situations, such as after a DUI or other major driving offense. It proves to the DMV that you carry the state-mandated minimum insurance coverage.
In Wilmington, local SR22 agents are available to guide you through the process of obtaining an SR-22 and finding the right high-risk driver car insurance policy for your needs.
Get in Touch Today!
We want to hear from you about your SR22 Insurance needs. No SR22 Insurance problem in Wilmington is too big or too small for our experienced team! Call us or fill out our form today!