Are you a Washington high risk auto insurance driver? You are not alone we have helped many people in your situation. Find out what options are available for high risk auto insurance drivers in Washington and how to navigate this market.
Who is Considered A Washington High Risk Auto Driver?
Driver’s that have more than one violation and a accident are considered a higher risk than a driver with no violations. A young driver with no driving experience would also be a high risk until they complete three years driving without tickets or accidents. A bad credit score can also make you a higher risk driver as well. If you fall into one of these scenarios you will not qualify for a preferred insurance rate. You will be considered a standard or non standard risk depending on how bad your record is. Some examples of high risk drivers are.
- Drivers with DUI or reckless driving charges
- More than two minor violations in 3 years
- Multiple accidents or 1 accident with bodily injury past 3 to 5 years
- Young drivers with under 3 years licensed driving experience
- Drivers with a suspended license
What Is Washington Non Standard Insurance?
Non Standard auto insurance companies cater to high-risk drivers. Their policies can have the following features that minimizes companies risk.
- Named Driver Only Policy: Only insure people listed on the declaration page no other drivers insured.
- Double or even triple deductibles first 30 days after inception or after reinstatement.
- Driving record checked on every renewal.
- Credit checked at renewal.
- Higher base mileage minimum
- Lower liability limits offered
- SR22 Insurance Filings available
How Long Is Non Standard Insurance Is Needed?
Car insurance companies will forgive your accidents and poor driving record if you maintain a clean driving record for three years. But this can vary by insurer. Some look back as far as five years when assessing if your still risky a driver. If the offense has fallen off your driving record, your insurer should no longer be able to use it to increase your rates.
How To Shop Washington High Risk Auto Insurance
As a high-risk driver, you may be able to buy a standard policy from a traditional insurance company such as State Farm or AAA with higher premiums than their preferred policies, or you may buy what’s known as a nonstandard policy. These types of policies are offered by smaller niche type companies who specialize in high risk auto insurance. Be sure to find out about restrictions like Named Driver or double deductibles that can lower premiums but will increase your share of risk. Nonstandard insurance includes both small, niche companies, and some major carriers which have divisions selling non-standard coverage. A good option when shopping is a high risk auto insurance broker who has access to multiple companies and can compare rates on your behalf.
No Washington Insurance Company Is Willing To Insure Me.
If you are in the unenviable position that your driving record is so bad that you cannot obtain auto insurance in the voluntary insurance market you can apply to Washington AIPSO for coverage. The AIPSO is not an insurance company they are a assigned risk pool for the state of Washington. All insurance companies that sell auto insurance in Washington have to participate in the pool. The way it works is if State Farm Insurance insures 25% of the Washington auto market then they would be required to take 25% of the assigned risk pool in Washington. You will not have a choice as to what company is assigned to provide coverage for you.