High Risk Car Insurance in Missouri


Motorists in the state of Missouri can be considered a higher risk to insure by a carrier for a number of reasons. This usually results in an increase in auto insurance rates for these particular drivers compared to those who are viewed as less risky. The most effective way to find the lowest rate for a motorist who may fall into the high risk category is to shop around and compare quotes from multiple companies to locate an affordable policy.state of Missouri

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Finding High Risk Car Insurance in MO

Drivers who are considered riskier to insurers may have a more difficult time finding a company who will insure them and an even harder time locating a carrier at a price that is reasonable. The best way to solve both of these issues is to take the time to compare rates of various companies to find the one that is the best fit for an individual's situation and their budget.

When looking for high risk auto insurance it is important to shop around for a couple of reasons. One of the reasons is that there are companies who may be much more lenient towards riskier drivers compared to insurers who target "standard" policies. In many cases, comparison shopping will provide a wide variation in premiums amongst carriers based on the risk that a motorist poses.

Fortunately, there are companies who may be profitable in this area and therefore may charge more reasonable rates for coverage. There are also insurers who may be willing to insure and offer lower rates to riskier motorists in order to acquire new business and build their clientele base; shopping around and comparing MO car insurance quotes is the best way to find one such company.

For individuals who cannot find a carrier who will insure them they may be able to obtain coverage from the Missouri Joint Underwriting Association (MJUA). This coverage can only be obtained by those who cannot find insurance in the open market. An agent or broker should be able provide a consumer with rates for the MJUA, if not, consumers can contact the state's Department of Insurance for assistance.

Who May Have to Buy High Risk Auto Insurance in Missouri

There are many factors that can land drivers in the high risk category and some may be out of their control such as age. Motorists who are under the age of 25 are considered to be riskier to insure due to their inexperience and statistics that show them having the tendency of practicing bad driving habits and making poor decisions behind the wheel.

Another big factor that is taken to consideration by insurers when assigning risk is the driver's record. Those who have multiple violations and accidents on their records will most likely be charged more for coverage than those with a "good" driving record. In addition, those who have been convicted of driving under the influence of drugs or alcohol will almost always end up being viewed as riskier to insure.

pulled over by officerAdditionally, there are other factors that can be used that may increase a motorist's premiums. Some of these items include having a bad credit rating, claims history and carriers are allowed to raise the rates of consumers who have not had coverage in the last 30 days. Practicing safe driving and obeying traffic laws is a good way to get out of the high risk category and can help save money in the process. Many insurers will offer good driver discounts to those who have not had a ticket or accident in the past 3 years.