High Risk Auto Insurance, high risk auto insurance.#High #risk #auto #insurance


High Risk Auto Insurance

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High risk car insurance is the insurance category reserved for drivers with past driving violations, inexperience behind the wheel, or poor credit. If you meet any of this criteria many insurance companies will consider you a high risk driver and your car insurance premiums will be higher as a result. There’s still hope though: while some insurance companies won’t insure a motorist with ANY marks on their driving record, there are plenty of reputable carriers who will insure high risk drivers.

How much does High Risk Auto Insurance cost?

Drivers that fall under any of the high risk categories will see their insurance costs rise relative to the average driver. To give you a sense of what the difference between these rates are we compiled data across all 50 states for three categories of high risk drivers to help you understand how much more these premiums can cost you. Note that these rates are the averages of different policies for high risk drivers insured by GEICO, Allstate, Nationwide, and MetLife. These averages do not include rates for insurance through each state’s residual pools.

Find the Cheapest Auto Insurance Quotes in Your Area

With many of the factors under your control, it shows why it is quite important for drivers to maintain a clean record, as the extra costs can quickly add up. If you’re interested you can check out our methodology below to see how we compiled these numbers

Best High Risk Auto Insurance Companies (Average Premiums)

If you arleady fall into one of the High Risk categories, some companies may be cheaper than others when it comes to insuring you. We took a look at major companies compare when it comes to the insurance premiums they offer higher risk drivers. While your rates will differ from the sample in our study, our list can help you figure out where to begin. Below we’ll take a look at the average annual premium amount for the four companies we looked at (GEICO, Allstate, MetLife, Nationwide) for each of the three scenarios:

High risk auto insurance

On average GEICO turned out to be the cheapest high risk auto insurance company of the bunch in both the speeding and young driver scenarios. For the ‘DUI + Accident’ scenario GEICO was edged out slightly by Allstate with an nationwide annual average of $2,298 per year versus GEICO’s $2,493. This study is based on a select sample profiles so it may not reflect your circumstances and should only be used as guideline. To find cheaper high risk auto insurance, you should compare quotes from multiple companies. If you’re interested in getting a list of companies in your area enter your zipcode below and click through to get a quote.

Find the Cheapest Auto Insurance Quotes in Your Area

What Determines If You Are a High Risk Driver?

If you’ve been convicted of driving under the influence, your premiums will be going up. Once you get your license back, you’ll need to carry DUI insurance, otherwise referred to as SR22. SR22 is the highest risk coverage a car insurance company can carry and will need to be filed with your state DMV to reinstate your driving privileges. You’ll also need to have your SR22 on file with the DMV for up to 5 years after your DUI incident. States will vary in how long your DUI will show up on your driving record, but be prepared for insurance companies to charge you higher rates as long as your DUI is still on record.

Young drivers, such as students, are also qualified as high risk. Statistically, drivers in their youth are at a higher risk of getting into an auto accident and insurance carriers adjust their premiums accordingly.

Regardless of age, drivers who are newly licensed will always face higher insurance rates than seasoned drivers who’ve been driving for a longer period of time. That being said, there is one way to work around this rule: have someone add you to their existing policy. This shortcut ensures your premiums will be lower than going it alone.

Lapse in insurance coverage

Regardless of why you dropped your last car insurance policy, you’re going to find premiums are higher now that you’re reapplying. The good news is that over time, and once you prove to the insurance company that you’re a responsible driver, you’re premiums will drop back down to normal rates. The bad news is that it may take 6 months or more for your policy premiums to decrease.

Yes, you read that right. People who have a poor credit history will also be deemed high risk drivers. Why is this the case? Insurance companies are essentially placing millions of bets, in the form of insurance policies, and to decrease their risk they want to insure responsible people. They’ve determined that checking your credit history is a quick and easy screen to ballpark your level of responsibility in advance of insuring you. Fortunately there are some insurance carriers who don’t do credit checks, but you’ll have to be diligent in your search to find them.

Other serious driving violations

While getting a DUI falls into this category, you’ll also find it no surprise that your insurance premiums will spike if you have any other type of serious driving violation (hit and run, road rage, excessive speeding). Higher insurance premiums may be the least of your worries, however, as many of these moving violations are considered felonies which could result in you spending time behind bars.

3 Things To Remember When Looking For High Risk Auto Insurance

1. Compare and contrast providers in your area

We recommend getting online quotes from as many insurance providers as you can. Until you get your quotes, you’re never quite sure which carrier will be able to give you the lowest rate. Fortunately, the internet has made a once painful experience much easier by allowing you to apply for quotes, compare and contrast results, and choose the best plan, all from the comfort of home.

2. Being a high risk driver doesn’t last forever

While insurance companies may view you as high risk today, you’ll be happy to know your status will change once you’ve proven you’re safe and responsible. Yes, certain things like getting a DUI will keep you paying increased premiums for an extended period, but most other high risk drivers can begin paying lower rates in a much shorter time frame.

3. There are steps you can take to lower your rate

You don’t just have to sit there and wait for your insurance rate to drop. With few exception, proactive measures like working to improve your credit score, getting good grades as a student, or taking driving classes after a violation, are all methods you have at your disposal. Just remember, your insurance company will want proof of these measures, so it’s best to keep good records submit them to the carrier when you’re ready.

Methodology

ValuePenguin sampled high risk auto insurance rates for the largest city in each state across four car insurance companies where available: GEICO, Allstate, MetLife and Nationwide. Our hypothetical driver was a 30 year old male driving a 2010 Toyota Camry. He drives 10-15k miles per year on average primarily commuting to and from work. Liability coverage is set to the legal state minimum. For the “speeding” scenario, it was assumed that our driver had received a 20 over the speed limit citation in the last 5 years. For our “DUI + Accident” scenario it was assumed that the driver had a DUI or DWI and also, in either the same or a separate incident, had been at fault in an accident where someone was injured. In the “Young Driver” scenario our driver was an 18 year old male with the same specifications listed above.

Surveyed auto insurance costs are for illustrative purposes only and actual quotes will vary based on your physical residence, driving history, and other factors.


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High-risk car insurance

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Auto insurance companies measure risk in a lot of ways, then charge you accordingly.

Accidents and tickets and DUIs make you risky. But so do bad credit or a lapse in your insurance coverage.

Your risk determines which companies are willing to insure you. No two have the same guidelines or will charge you the same price, though. Compare auto insurance quotes so you know you’re getting the best rate.

Here’s what to expect as you shop for coverage, how you can save money on the policy you buy today, and how to save even more in the future.

Are you a high-risk driver?

Generally, those deemed high risk by insurance companies fall into one of these categories:

Inexperienced drivers: You ve been driving less than eight to 10 years. Most insurance companies levy an inexperience surcharge that s greatest for those who are newly licensed and gradually shrinks with each passing year.

Young drivers: Car insurance for teens is the highest among drivers because they have by far the most accidents. Only part of it is their inexperience. Every insurance company buckets age groups differently, but if you re under age 25 you can expect to be dumped into the most expensive one.

Drivers with black marks on their record: A single ticket or minor fender bender might not make you high-risk, but multiple tickets or a serious infraction reckless driving or a DUI certainly will. So will multiple at-fault claims. An SR-22 requirement doesn’t make you high risk, but the infraction that caused it does – so you’ll need SR-22 insurance.

Drivers not currently insured: If you have a license but no insurance, insurance companies assume you ve been driving uninsured and are therefore riskier.

Drivers with bad credit: Drivers with poor credit-based insurance scores tend to file more frequent claims.

High-risk auto insurance companies

If you are a high-risk driver, that means you will be unable to purchase the same policies at the same rates as drivers who fall into the standard and preferred categories. Those drivers, who have no or few violations, minimal claims, good credit and a continuous insurance history, get better rates because they pose less risk. Preferred drivers, who are older, married and own homes, pay the least and get the most discounts.

As a high-risk driver, you may be able to buy a standard policy at a higher rate from a traditional insurance company, or you may buy what’s known as a nonstandard policy, where there are restrictions on, say, who can drive the car or how much coverage you can buy.

The nonstandard market represents about one-fifth of all private auto insurance sold and draws both small, niche companies, and the big boys, like Progressive and Nationwide, which have divisions selling nonstandard policies.

“Drivers typically pay more for nonstandard policies,” says Insurance.com Managing Editor Des Toups. “But that’s because their driving record or insurance history has flaws. Nonstandard policies are a way to customize coverage to make it more affordable.”

How much does high-risk auto insurance cost?

The bad news: You’ll pay more for coverage as a high-risk driver.

The good news: You’ll probably save more money by comparing car insurance rates than a standard or preferred driver would, because you’re starting from a much higher rate to begin with.

For example, here’s what rates from five major insurers look like for a 40-year-old driver buying full coverage on a 2014 Honda Accord in Bowling Green, Kentucky, after a DUI conviction:

We have solutions for you DUI insurance needs because every company calculates rates differently and we can show you side-by-side quotes so you get an affordable solution. The differences are usually hundreds — and sometimes thousands — of dollars.

6 things to expect from a nonstandard policy

If you’re going with the nonstandard route in order to pay lower rates, whether good driver or bad, here are some things to keep in mind.

You may have limits on who can drive your car. With a standard policy, you should list anyone on your policy who lives in your house or drives your vehicle regularly. If you have out-of-town visitors staying with you for a week or two, they are allowed to drive your car without having to be added to your policy.

In comparison, some companies that sell nonstandard auto insurance will let you cover only specific drivers who are named in the policy. If someone who isn’t listed, like your mother-in-law, gets in the driver’s seat and gets in a wreck, your insurance company may not honor your claim.

In addition, the insurance company could ask you to exclude certain household members, often those under age 25.

Your coverage may be reduced in some circumstances. You may face what are known as step-down provisions that reduce the amount of liability coverage if someone who isn’t named on your policy is at the wheel. That means if your cousin comes for a visit and borrows your car, the liability coverage will be lower than if you were driving. In many cases, a state’s minimum requirements fall short of what you would need to pay for injuries or property damage to someone else’s vehicle.

Your driving record may be checked more often. Insurers may not check a low-risk driver’s motor vehicle record (MVR) every renewal period. It may go even a year or two between checks, experts say, allowing some infractions to escape notice until then. The worse your record, the more likely that your MVR will be pulled every renewal period and your rates adjusted.

You may see a smaller check after an accident. If you purchase comprehensive and collision coverage with a nonstandard policy, you also could see a difference at the auto repair shop if you’re involved in an accident.

A standard policy will generally cover the full cost of repairs, unless your auto insurer decides your car is a total loss. If your car is totaled, you’ll receive the depreciated value of the car, which is its market value just before the wreck.

Unlike a standard policy, your nonstandard policy may depreciate your repairs. So rather than covering the full cost of repairing the damage if you’re in a fender-bender, the policy would pay only a portion of the cost, which is determined by the depreciation of the vehicle.

You may not be insured for punitive damages. A nonstandard policy also may not cover you if you’re in a wreck and you’re sued for punitive damages and lose.

You may miss the little extras. Even if you’re a safe driver, you can forget being offered benefits such as having a vanishing deductible or accident forgiveness if you opt for a nonstandard policy.

How do I get back to a standard policy?

Time and a clean record will improve your chances of getting standard coverage at much more attractive rates.

Your driving record: Most insurance companies usually look back three years sometimes as long as five — for infractions. The newer the infraction, the more heavily it’s weighed. You may be able to erase points with a defensive driving class, too.

Previously uninsured: A single term of coverage will erase your previously uninsured status. Consider shopping for car insurance again as your renewal date nears.

No credit or bad credit: You can ask for an insurer to recalculate your rates at the next renewal if you think your credit has improved. Or consider comparing quotes again, with your newly improved credit bolstering your chances of saving money. Insurance with bad credit can be expensive, but some carriers will treat you more favorably than others.

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What is a High Risk Driver?

High risk auto insurance

High risk auto insurance

The term high risk can be used in different ways. Sometimes it refers to one driver being a higher risk than another. It can also be used in reference to a driver not eligible for insurance through a preferred carrier.

Most drivers do not get the very best insurance rates. Therefore, most drivers are a higher risk than those few so called perfect driving risks. Four of the most common ways to NOT get the very best rate include:

1. Not having the Best Insurance Credit Score

If your insurance company sent you a notice stating you are not getting the very best rate because of your credit score, don t panic. The very best score is extremely difficult to obtain. You may still be getting a very good financial stability discount with your current credit score. Insurance companies have tied credit scores with the probability of a claim. So if you do not get the very best credit score, you are considered a higher risk than someone with the best score.

2. Having a Traffic Violation or At Fault Accident

Even one traffic violation puts you at a higher risk than someone with none. It can be frustrating when you have gone years and years with no tickets to get a surcharge for one small lapse in judgment. Some insurance carriers do offer an extra bells and whistles type coverage which would waive a single minor violation per driver.

However, you do pay a small fee to get a ticket waived.

The same goes for at fault accidents. Filing a claim is a sure fire way to become considered high risk. Sometimes even not at fault claims can raise your rates. Insurance carriers have come up with a way for you to avoid those increases by purchasing Accident Forgiveness.

It is an extra option which you would pay extra for in lieu of a surcharge after an accident.

3. Being a Teen Driver

It is true, young drivers do not have to do anything wrong to be considered a higher risk than a seasoned driver. Their age alone instantly puts them in a high-risk price range. So many young drivers are in accidents and have traffic violations which increases the severity of already high cost insurance. All drivers go through this period of high risk.

4. Not Owning a Home

Normally the term high risk and non-home owner do not go together. But, the homeowner discount can be so good when you think about it, non-home owners must be considered a higher risk than homeowners in the eyes of insurance carriers. Insurance companies like stability and owning a home is a large part of the stability factor. Several online insurance companies do not rate based on home ownership.

High-risk driver meaning a driver who does not qualify for a preferred carrier is the most common use of the term.

Three common ways to be a true high-risk driver include:

1. DUI/DWI

Most drivers know a DUI means higher insurance rates, however, many are surprised to see a cancel notice from their preferred carrier after the ticket. Preferred carriers do not tolerate major violations. Once a preferred carrier is aware of your major violation, your policy will be canceled at renewal.

2. Multiple Traffic Violations

Multiple violations tallying more than six points typically means you will no longer qualify for a preferred insurance carrier. It can be a mishmash of tickets and at fault accidents to create the seven points or more. When it comes to at-fault accidents the police do not have to issue a ticket for insurance points to be added to your record. A single car accident with a claim paid out is always an at-fault accident regardless of the circumstances.

3. No Prior Insurance

Driving without insurance is against the law. Unfortunately, very few exceptions are made for drivers with no prior insurance. Driving a vehicle is so common in our daily lives, insurance companies have good reason to believe you drove at some point in time without insurance. Having a valid driver s license means you need to have car insurance in some form. Without proof of at least six months of continuous insurance, you are considered a high-risk driver.

Every insured individual is a driver risk of some sort. Not many drivers qualify for the very best rate. High risk drivers always have room for improvement. Knowing where you stand is the first step in improving your record.


Car Insurance for High Risk Drivers – Online Auto Insurance, high risk auto insurance.#High #risk #auto #insurance


Online Auto Insurance

High risk auto insurance

Drivers can find high risk auto insurance online from multiple companies which accept those who are considered to be a riskier driver. OnlineAutoInsurance.com allows drivers to complete one single form to perform an instant quote comparison from top insurers and find more affordable rates for the needed coverage and protection.

Find lower quotes through comparisons:

A driving record that is loaded with offenses are most commonly classified as high risk by the companies and this is the determining factor in expensive premiums or denial of coverage. A consumer may not be able to find the right coverage or is fed up with being denied. OnlineAutoInsurance.com is here to help those individuals in finding cheaper car insurance rates from from reputable companies. We understand that there are troubles in finding the right policy and being accepted into that policy, therefore OnlineAutoInsurance.com helps the motorists by carrying a large pool of insurers and many of them offering great coverage at a low price. Visit the site today to learn more on which companies there are that offer discounts and packages that would not only accept riskier drivers, but also save them money.

Questions Related to High Risk Car Insurance

High risk auto insuranceIt’s usually harder for motorists with poor driving records to find auto insurance because coverage providers generally look at accident risk when rating potential customers to get an idea of the likelihood they will file a claim in the near future. A person who has a history of.

High risk auto insuranceAuto insurance for higher risk drivers is typically more expensive than the average policy. When coverage providers sell an insurance policy, they run the chance of having to pay out a claim. As a result, individuals who demonstrate a.

High risk auto insuranceAssigned risk auto insurance policies are designed to provide vehicle protection for higher risk drivers who have been repeatedly denied coverage in the voluntary market. These policies are more expensive because the drivers who purchase them are considered to.

News about High Risk Drivers

July 17, 2014 – Crash claim rates for some teen drivers are more than double than the rates for older drivers, according to a new analysis from the Insurance Institute for Highway Safety. But there’s something else that compounds dangers for teen drivers: They .

June 17, 2014 – Florida drivers who buy coverage to get their driving privileges back after a DUI or lapse in coverage will soon face a longer period when their insurer can cancel the policy. Currently, Florida car insurers have only a 30-day “underwriting period” during which they can cancel such policies. But, starting July 1, .

February 21, 2014 – Let’s call this the tsunami that never made it ashore. The Insurance Institute for Highway Safety (IIHS) recently took stock of the “silver tsunami” in a report about older drivers who, despite their increasingly larger share of the U.S. driving population, aren’t endangering the nation’s roadways .

Articles Regarding Insurance for High Risk Groups

December 30, 2013 – New Year’s Day and New Year’s Eve are lucrative for car thieves and a bummer for those partiers who find their ride gone. Drunk drivers who get behind the wheel can also expect a bummer of a time, whether it’s because of the accident they might get into or the cop that’ll likely pull them over.

December 17, 2013 – There is a whole lot of holiday trickery beyond (spoiler alert, kids/late-blooming adults) the mythology of Santa Claus. Drivers caught unaware of less obvious holiday tricks can land in cold car insurance waters. In this entry of Auto Insurance in Unlikely Places, a review of when glad tidings go bad (and what it means in terms of auto coverage) for any holiday.

November 07, 2013 – A cold is coming on, but it’s not the body that should prepare for it. Online Auto Insurance (OAI) is talking about the coming cold weather season and car-related preparation tips so you can avoid hazards when driving in a winter wonderland. Check out OAI’s first entry on the topic, which lists car insurance-related reminders for motorists to heed before winter comes.


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Peters Auto Mall

(Peters Auto Mall rated 5 /5 based on 1 review.)

Welcome to Peters Auto Mall, located in High Point, North Carolina 27263. Peters Auto Mall is your number one dealer for and more. We sell new and used ( and more) motorcycles, ATVs, UTVs, scooters, and personal watercraft.

In all of High Point, North Carolina, there isn’t a friendlier or more knowledgeable staff than ours. Conveniently located in High Point, North Carolina, Peters Auto Mall can provide you with the latest and best in powersports products, service and repair. We specialize in new and pre-owned brands and offer sales, financing, service, parts, and accessories. We offer a great selection of new Motorcycles, ATV’s, and PWC’s and many pre-owned units for you to choose from.

If you are looking for and other service and repair around High Point, North Carolina, then look no further. Trust your powersports vehicle with our service center and know that the job is done right the first time.

Learn why Peters Auto Mall is the #1 powersports dealer to go to in High Point, North Carolina 27263. Period. We know you have many motorcycle dealers to choose from in North Carolina, but there is only one name you need to remember and that is Peters Auto Mall for all your powersports needs.

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Michigan High Risk Auto Insurance #automobiles


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Michigan High Risk Auto Insurance

Auto insurance in Michigan can be obtained from local several companies that have been licensed to sell and underwrite insurance policies. Some of the more common insurance providers that will generally provide Michigan high risk auto insurance include companies such as State Farm, Progressive, Nationwide, Geico, Direct General, and the Hartford.

Michigan follows a no fault system for dealing with accidents, meaning that your insurance will pay your “reasonable and necessary” medical expenses up to a certain amount and cover your property damage. In order to assure drivers have adequate no fault protection in the event of an accident, certain minimums have been enacted by the state. In order to meet the state mandated minimum coverage requirements in Michigan, a policy must provide Bodily Injury Liability coverage of $20,000 per individual up to a total of $40,000 per accident, Property damage liability of $10,000, Property Protection Insurance of $1,000,000, Personal Injury Protection (PIP) to cover medical costs, and PIP to cover work loss.

By law, drivers in Michigan must have a certificate of insurance from their insurance company in the vehicle at all times. If stopped by a police officer for any reason, regardless of whether or not an accident is involved, you must show the officer this insurance certificate. Failure to have adequate proof of insurance in the vehicle can result in the immediate suspension of one’s driver’s license as well as other penalties that can come into play if there is not an active insurance policy for the vehicle. Understanding the Michagan auto insurance rules will help you avoid the need for high risk auto insurance


Tips For Buying a High Mileage Used Car » News #auto #parts #online #canada


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Tips For Buying a High Mileage Used Car

Buying a used car is a lot more complicated than buying a new one. You can quickly judge a car’s life by looking at its odometer, however, there are numerous other things to look out for when buying a second hand vehicle; especially one with high mileage.

While most issues can be identified by a trusty mechanic for a pre-purchase inspection, they can take time and unless your mechanic is a friend, they’ll charge for the service too. Here are a few things you can do yourself to identify some big problems.

HOW DO YOU KNOW THE CAR’S REAL MILEAGE?

One of the biggest worries about a high-mileage vehicle is the odometer rollback. This is where the seller rolls back the odometer of the car indicating a lower mileage than the car really has. This is especially worrisome for cars that already have high-mileage because the vehicle in question could potentially have an incredibly high number of miles on it.

Some argue that digital odometers have helped reduce the risk of odometer rollback, but that’s not necessarily true.

“It still does happen but it is risky because Carfax and CarProof all record mileage now,” Said Lou Trottier, Technician and Owner of All About Imports . “The paper trail wins in this case because it keeps people honest by fear of getting caught.”

According to Trottier, the biggest asset when buying a high mileage vehicle is getting the right papers. Asking for a Carfax or service booklet and looking at the mileage of the vehicle during its maintenance intervals can be a great help.

“If a used car has all the service history and owner history, that’s a huge bonus,” said Trottier. If you have these, it should help put you at ease. Service history can help identify if oil change intervals were performed on time, and what type of oil was used. A properly cared for car should last longer than one which has a spotty service history, so make sure to look for gaps of time or mileage when servicing, or when oil changes were performed.

RUST, AND WHAT’S HIDING IT

Another important aspect of buying a used car is rust. Although rust is a scary and potentially dangerous problem, it’s one of the easier things to notice when looking at a used car.

“If a car has original paint then rust will obviously be showing through either bubbling just under the surface or complete perforation,” said Trottier. He explained that it’s more important to look for original paint, and while some sellers try to hide rust, a bad job can really stand out. Generally hasty paint jobs will show up a different shade, and should be easily noticeable.  Another tip-off is if the outside of an old car looks like it just rolled off the lot. As they say, if it looks too good to be true, it is.

A trickier area of a high-mileage vehicle is the suspension. An abused, or worn out suspension is harder to point out without doing a pre-purchase inspection. The best you can do is to go out on a test drive and listen carefully for noises that can hint at a number of things.

HOW DO YOU KNOW IF THERE’S AN ENGINE PROBLEM?

Compression tests can help identify whether or not a car’s engine is performing optimally, and if anything is wrong internally. Not really something you can do yourself, unless you have the right tool. In a compression test, a mechanic will put a compression gauge in place of a spark plug and then crank over the engine until it does five or so revolutions. The mechanic will then record the gauge’s reading (in PSI) and move on to the next cylinder.

“We are looking for consistency between the cylinders,” Trottier said. Compression readings between cylinders shouldn’t fluctuate more than 25 PSI, and Trottier mentioned that ideally every one should be within 15 PSI.

He explained that while compression tests are useful, there’s just as much useful information in a test drive. “Any engine that has slightly low compression will cause the car to missfire slightly and I can feel that on a test drive.”

Low compression can indicate a bad exhaust valve, head gasket leak or if an entire engine needs to be overhauled.

IS THE ENGINE BURNING OIL?

A bigger concern for Trottier, and one that’s easier to observe, is if a high-mileage vehicle is burning oil.

“With the thin oil and extra-long service intervals we get a lot of cars that have carbon-ed up and seized oil control rings,” Trottier said. “Most sellers do not think to check their oil level at time of sale. I can’t tell you how many cars come in for a pre purchase inspection and I pull the dip stick only to find next to no oil showing.”

For manual transmission cars, also play attention to the clutch, and the clutch pedal. A worn clutch can be a costly repair both in regards to labor and parts, so Lou looks carefully for any signs of improper wear.

“I always check the left side of the clutch pedal for wear,” he said. “This tells me if the previous owner rested their foot on the clutch pedal and not on the dead pedal like they are supposed to”

It’s simple enough that even a non-car person can identify and pay more attention to when it comes to a test drive. “I regularly see clutch pedals with a lot of wear and this tells me to pay more attention to clutch operation,” Trottier said.

WORN INTERIOR

A car’s interior can also tell quite a lot about its age. Wear and tear on the seats can expose potential odometer rollback, so pay attention to the condition of the car’s interior.

Other areas to note come straight out of the used-car buying handbook. Take a look at things like rust on rotors. A car sitting at a dealership can accumulate rusty rotors. It’s often overlooked, but these can cause headaches for buyers, who will have to deal with vibrations, squeaks, squeals and possibly even a the purchase of some new rotors not long down the road.

Also watch out for brand new brakes as sometimes a dealer may try to hide a car’s shortcomings. “If the dealer does put new brakes into the car they are going to put the cheapest parts available which means lots of noises and premature wear,” explained Trottier. “I deal with this all the time. Someone buys a car and within one year we are replacing all the brakes with factory parts because the new owner cannot live with all the squeaks and noises.

CHECKING THE TIRES

Additionally, take a look at the tires of any second hand car you’re interested in. Tires that are older than six years should be replaced, and take extra care to look for any cracks in the tire’s sidewall. As for gauging the amount of tread left, it’s not an exact science, especially if the tires are low rolling resistance or high-performance models that don’t offer a lot of tread depth to begin with. Look for uneven wear, checking particularly if some of the tread blocks appear to be glazed over.

Also look for punctures and previous repairs, though a repair job isn’t necessarily a sign that you should stay away or replace the tires. Some punctures may affect the longevity of a tire. “A large nail puncture may create a weak spot and the tire will be prone to a premature belt shift.” Trottier said.

NO SMOKE IS GOOD SMOKE

Finally, with any second hand car pay attention to any exhaust smoke that occurs when you turn the car on. Any smoke is pretty much a no-go area of any kind. Blue smoke is a product of excessive oil burning, which indicates an engine problem. Black smoke means there’s a fuel system problem, which is producing excessive unburned fuel. White smoke comes thanks to burning anti-freeze, which could indicate a head gasket failure.

It’s not easy to search for a car, and adding the many unpredictable variables associated with a second hand car can make things even more stressful. If a good looking deal on a car is stumping you with its high-mileage, try looking it over yourself. And even if the items mentioned above check out, consider a pre-purchase inspection from a mechanic or shop you trust.


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Compare auto insurance quotes for high risk drivers:

Find lower quotes through comparisons:

Oftentimes, people are charged higher premiums because they simply do not know how to find cheaper rates. This is because each carrier has it s own prices based on their unique factors such as loss ratio, return on investment and market share. The key is to compare a few different carriers to narrow down the one which will have the right offerings like low prices and plentiful coverage. At OnlineAutoInsurance.com, an online car insurance quotes comparison is easy and fast since it only requires consumers to answer one set of questions.

Motorists are classified high risk when they are in violation of traffic laws or may be new to driving such as teenagers and the newly licensed. The most common classifications are policyholders charged with a DUI/DWI or multiple violations on their driving record which are often referred to as “bad drivers.” But what most motorists do not know is that there are other criteria used by the companies to classify a policyholder as high risk. Other criteria include young drivers under the age of 25 or first time drivers, credit rating and history, students, and prior claims history.

Being placed or categorized under these classifications can result in higher rates for insured motorists that they should not be subjected to. Whether they are determined to be riskier at the signing of the policy or during a carrier’s coverage, the consumer’s driving history changes with violations, both result in an increase in the payment amount for the coverage. What most users do not know is that there are methods of being insured without having to pay inflated prices if considered a high risk driver.

High risk car insurance companies :

The best way to reduce those pesky premium hikes when a consumer has a few dings on their driving record is to shop around and compare multiple auto ins companies. There is such a thing as a company that focuses their business on securing only older non-risky drivers, but there are also carriers that are profitable or maybe even target risky motorists and more willing to accept an elevated risk.

The non-standard market specializes in covering those with a history of offenses or claims, are new to driving, or have bad credit by creating programs that would benefit these individuals. Usually these insurers offer these programs with cheap car insurance for high risk drivers to serve as an incentive to draw consumers away from their competition that do not have such programs and are charging more for coverage. Factors such as being a good student or driving courses taken can offer discounts to the insured that would help offset the cost of coverage and reduce the monthly payments of their premiums.

For those who continue to have a problem finding an insurer to accept them and insure them, they can refer to the assigned risk program for assistance.

Cheap Auto Insurance for high risk driving records :

A driving record that is loaded with offenses are most commonly classified as high risk by the companies and this is the determining factor in expensive premiums or denial of coverage. A consumer may not be able to find the right coverage or is fed up with being denied. OnlineAutoInsurance.com is here to help those individuals in finding cheaper car insurance rates from from reputable companies. We understand that there are troubles in finding the right policy and being accepted into that policy, therefore OnlineAutoInsurance.com helps the motorists by carrying a large pool of insurers and many of them offering great coverage at a low price. Visit the site today to learn more on which companies there are that offer discounts and packages that would not only accept riskier drivers, but also save them money.

Questions Related to High Risk Car Insurance

It’s usually harder for motorists with poor driving records to find auto insurance because coverage providers generally look at accident risk when rating potential customers to get an idea of the likelihood they will file a claim in the near future. A person who has a history of.

Auto insurance for higher risk drivers is typically more expensive than the average policy. When coverage providers sell an insurance policy, they run the chance of having to pay out a claim. As a result, individuals who demonstrate a.

Assigned risk auto insurance policies are designed to provide vehicle protection for higher risk drivers who have been repeatedly denied coverage in the voluntary market. These policies are more expensive because the drivers who purchase them are considered to.

News about High Risk Drivers

July 17, 2014 – Crash claim rates for some teen drivers are more than double than the rates for older drivers, according to a new analysis from the Insurance Institute for Highway Safety. But there’s something else that compounds dangers for teen drivers: They.

February 21, 2014 – Let’s call this the tsunami that never made it ashore. The Insurance Institute for Highway Safety (IIHS) recently took stock of the “silver tsunami” in a report about older drivers who, despite their increasingly larger share of the U.S. driving population, aren’t endangering the nation’s roadways.


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Auto Insurance for High Risk Drivers

The “high risk” label is given to drivers who have too many negative items on their driving records, whether those items are too many tickets and violations, traffic accidents, convictions for driving under the influence of alcohol or drugs, or other offenses. Having items like these on a driving record can indicate a history of risk-taking to your insurer. Insurers are in theory more likely to have to pay out on a high-risk insurance policy, so high-risk policies tend to come with a larger price tag.

Some drivers with a large number of serious violations on record will appear to be too much of a liability for most insurers and won’t be able to get coverage on their own directly from any insurer in the state. This only happens to a small percentage of drivers, but when it does, those drivers may have to get coverage through state-run assigned-risk plans. In these programs, drivers apply for coverage through the state, and the state assigns a particular insurer to cover them. The programs are set up so that every insurer in the state has to take on its fair share of high-risk drivers. Unfortunately for drivers in these programs, the premiums tend to be higher than if they had secured coverage on the voluntary market.

The majority of drivers will not have to get coverage through an assigned-risk program, however. Most states have a significant number of insurers that are not just willing to write high-risk insurance policies but actually target drivers categorized as high risk. The only way high-risk drivers can find those companies is by shopping around and comparing quotes from multiple providers.


Michigan High Risk Auto Insurance #buy #a #car


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Michigan High Risk Auto Insurance

Auto insurance in Michigan can be obtained from local several companies that have been licensed to sell and underwrite insurance policies. Some of the more common insurance providers that will generally provide Michigan high risk auto insurance include companies such as State Farm, Progressive, Nationwide, Geico, Direct General, and the Hartford.

Michigan follows a no fault system for dealing with accidents, meaning that your insurance will pay your “reasonable and necessary” medical expenses up to a certain amount and cover your property damage. In order to assure drivers have adequate no fault protection in the event of an accident, certain minimums have been enacted by the state. In order to meet the state mandated minimum coverage requirements in Michigan, a policy must provide Bodily Injury Liability coverage of $20,000 per individual up to a total of $40,000 per accident, Property damage liability of $10,000, Property Protection Insurance of $1,000,000, Personal Injury Protection (PIP) to cover medical costs, and PIP to cover work loss.

By law, drivers in Michigan must have a certificate of insurance from their insurance company in the vehicle at all times. If stopped by a police officer for any reason, regardless of whether or not an accident is involved, you must show the officer this insurance certificate. Failure to have adequate proof of insurance in the vehicle can result in the immediate suspension of one’s driver’s license as well as other penalties that can come into play if there is not an active insurance policy for the vehicle. Understanding the Michagan auto insurance rules will help you avoid the need for high risk auto insurance