Compare rates for high risk insurance

Q: When should I compare rates for high risk insurance?

A: Ohhh, good question. You need to compare rates for high risk insurance, but you don’t need to be spending every hour of the day doing it. At the same time, you want to do it often enough that you can catch the rate trends and changes. I suggest that, so long as everything in your situation otherwise remains the same, you should make sure to pull up some quotes around every six months to a year. Try to do it, anyhow, about a month before each time your car insurance policy is set to renew.

You may have some other opportunities to compare rates for high risk insurance, too. If something changes in your life which might push your rates up and down, you need to see how other companies would rate you for it. Some things which might have an effect on your car insurance rate are:

• you moved to a new zip code or even a new state
• you have added a new driver to your policy, especially a teenager or another high risk driver
• you have received a traffic ticket or you have gotten into a car accident
• you have gotten married
• you have retired
• you have bought a new car