A-1 Autoinsurance
1-800-921-1120
The Hartford AARP CF 200x120
  
Insurance Articles by A-1 Auto Insurance



All About Assigned Risk Insurance


If you live in the United States, you are required to obtain auto insurance before you are able to drive a vehicle. However, you may experience difficulty locating an insurance company that is willing to provide you with insurance if you are one of the many drivers assigned to the high-risk category.
Contrary to popular belief, most individuals who are in the assigned risk category actually possess a clean driving record. They may be assigned as high risk because they live in an area where a very high number of insurance claims have been submitted or because they fall into a high-risk group. Others may be categorized as high risk because of their age; drivers younger than 25 years old are statistically involved in more motor vehicle accidents. Another reason a person may fall into the high-risk category is the type of vehicle they are driving; certain makes and models have a greater chance of being damaged or stolen.
What is Assigned Risk Insurance?
Anyone who has a poor driving record will most likely encounter problems finding an insurance company willing to provide auto insurance. However, the majority of states help these individuals to obtain insurance coverage, thanks to what is called an assigned risk auto insurance plan. Assigned risk auto insurance companies sell auto insurance to individuals who have been turned down by other insurance providers.


Obtaining Assigned Risk Coverage


If you require assigned risk auto insurance, the first step is to approach an insurance agent and submit an application. If your application for coverage is denied by three insurance companies, the insurance agent will complete a form which is then sent to the state. The form indicates that you have been categorized as high risk and will require assigned risk car insurance.


You should contact your state insurance department and see if they provide any assistance with the insurance provider if you have been placed in the high-risk category. Another option is to visit a different insurance company and attempt to obtain auto insurance coverage. Never assume that just because one insurance provider has denied you coverage that you are forced to obtain coverage from a high-risk auto insurance company.


The rules and rates for new insurance policy holders vary from state to state and are constantly being revised. Therefore, if you have been denied by one insurance company, look for an insurance provider that specialized in providing coverage to high-risk drivers. If these methods are unsuccessful, you can obtain auto insurance coverage through the assigned risk auto insurance plan provided by the state.


What You Can Expect


If you have been placed under the assigned risk category, you have no choice but to purchase the minimum amount of insurance coverage that is required by law in your particular state. You won’t be eligible to apply for additional coverage. Although the cost of such insurance is normally higher than for policy holders who are not high risk, the assigned risk plan must accept your application for insurance coverage. This will provide you with the opportunity to drive legally and take additional steps to have yourself removed from the assigned risk category as soon as possible.


While you are in the assigned risk category, continue to conduct research so you can obtain a less expensive and more comprehensive insurance policy once your driving record improves. The good news is that drivers who submit their premium payments on time and maintain a clean driving record for three years can normally obtain a better deal and be removed from the category of assigned risk auto insurance.


 











What is homeowners insurance?

Why do you need health insurance?

Why do you need life insurance?

How Does Your Credit Score Affect Your Insurance Rates

Why You Need to Report That Accident

How to Collect on an Insurance Claim

How to Prevent Vehicle Theft

What to Do If Your Vehicle Is Stolen

Obtaining Affordable Auto Insurance If You Have a High Credit Score

How to Obtain Affordable Business Auto Insurance

Factors That Affect the Cost of Liability Auto Insurance

How to Avoid Driver Distractions

Resisting Road Rage

Qualifying for Military Auto Insurance Discounts

Obtaining Auto Insurance for an Out of State Move

Obtaining Teen Auto Insurance

How to Lower Your Auto Insurance Rates

Avoiding the Temptation to Drink & Drive

Submitting a False Insurance Application

All About Assigned Risk Insurance

Don’t Rely Solely On Price When It Comes To Auto Insurance

How to Avoid Insurance Fraud

What You Need To Know About First Time Driver Auto Insurance

The Top Ten Steps to Avoid Insurance Fraud

How to Obtain DWI Auto Insurance

Save Money by Changing Your Auto Insurance

Insurance Tips

All About High Risk Auto Insurance

SR22 Insurance

International Auto Insurance

How to Obtain Auto Insurance with A DUI

Obtaining Auto Insurance For Hard to Insure Vehicles

Components of Auto Insurance

Obtaining an Auto Insurance Student Discount

State Auto Insurance Minimums

MINIMUM STATE AUTO INSURANCE REQUIREMENTS

Car Insurance for Female Drivers

Purchasing Direct Auto Insurance

What You Need to Know About Family Car Insurance

How to Obtain Affordable Car Insurance after a Divorce

When You Should Disable Airbags

Car Accidents Often Occur Very Close to Home

All About Personal Injury Protection

Do You Need Small Business Car Insurance

Discover the Facts About Safe Car Insurance

The Limitations of Auto Insurance

No Credit Check Car Insurance

Insurance Policy Cancellations

What You Need to Know About Short-Term Car Insurance

Reviewing Auto Insurance Rates in Various States

All About Classic Car Insurance

Obtaining Seniors Auto Insurance

How Cell Phones Affect Car Insurance

Temporary Auto Insurance

Finding an Affordable Auto Insurance Policy

Learning More About Gap Car Insurance

Comparing Vintage & Regular Auto Insurance

Discover the Facts About No Fault Auto Insurance

The Facts About Commercial Auto Insurance

Everything You Wanted to Know About Term Life Insurance, But Were Afraid to Ask...

Think Your Lifestyle Has No Effect On Life Insurance Rates – Well, Think Again!

Discover the Various Types of Life Insurance

Useful Tips for Purchasing Life Insurance

Protect Your Small Business With Term Life Insurance

Purchasing Life Insurance Coverage For Your Children

When Should You Opt for Term Life Insurance?

What to Do If You Lose Your Life Insurance Policy

The History of Whole Life Insurance

The Main Differences Between Term Life & Whole Life Insurance

Whole Life Insurance Glossary

What You Need to Know About Variable Life Insurance

Learn More About the Different Types of Whole Life Insurance

Purchase Life Insurance Before It’s Too Late: Discover Why You Should Act NOW!

Insuring Your Spouse with A Life Insurance Policy

Discover the Many Benefits of Life Insurance

Everything You Wanted to Know About Universal Life Insurance

Discover the Facts About Term Life Insurance

The Advantages of Purchasing Whole Life Insurance

10 Important Facts About Purchasing Life Insurance: Discover the Secrets…

Save Money By Comparing Term Life Insurance Quotes

Discover Where to Obtain Whole Life Insurance

Return of Premium Term Life Insurance is Making A Comeback

What You Need to Know About Key Man Life Insurance

The Many Functions of Whole Life Insurance: Why You Should Consider It

The Benefits of Buying Term Life Insurance Online

Should You Combine Term Life & Whole Life Insurance?

How to Select A Beneficiary

The Dangers of Letting Your Life Insurance Policy Lapse

What You Need to Know About Mortgage Life Insurance

Discover How to Obtain Affordable Life Insurance… Even If You Are Over 50

The Benefits of Joint Term Life Insurance

Choosing Life Insurance to Accommodate Your Changing Needs

Purchasing Life Insurance for Newlyweds

All About Fixed Term Life Insurance

What Women Need to Know About Purchasing Life Insurance

The Importance of Life Insurance For Young Individuals

Permanent Life Insurance or Term Life Insurance: Which One is Right For You?

Are You Aware of Additional Life Insurance Options? Learn More About Rider Benefits

How to Save Money When Buying Term Life Coverage

Choosing Between Term Life & Whole Life Insurance If You’re A Young Adult

What You Need to Know About Short-Term Life Insurance

Do You Actually Need Life Insurance… Read On to Find Out!

How Life Insurance Can Protect You When You Purchase A House

Discover the Flexibility of Whole Life Insurance!

Should You Switch to A Whole Life Insurance Policy?

Wonder How Insurance Companies Calculate Your Premiums?

Do Something Positive For Your Health & Your Pocketbook & Quit Smoking

Deciding Between Whole Life & Term Life Insurance Once You Retire

How to Obtain Life Insurance Coverage If You Have A Medical Condition

The Importance of Key Person Life Insurance

Discover the Premium Payment Options for Whole Life Insurance

How Can A Life Insurance Policy Protect Your Loved Ones?

Discover Why You Should Purchase Life Insurance NOW!

Why Is Return of Premium Life Insurance Increasing in Popularity?

How to Find A Reputable Life Insurance Agent

Using a Life Insurance Policy to Pay off Your Home

The Basics of Life Insurance

How to Protect Your Family with a Life Insurance Policy

Discover the Facts About Child Life Insurance

Weighing the Advantages of a 5 and 10-Year Term Life Insurance Policy

The Many Benefits of Term Life Insurance

Should You Buy A Whole Life or Term Life Insurance Policy If You’re Single?

Deciding Which Whole Life Policy Best Meets Your Needs

Discover the Security of Term Life Insurance

When Should You Update Your Life Insurance Policy?

Determining How Much Life Insurance Coverage to Purchase

Term Life Insurance: One of the Most Affordable Options

Benefits of Offering Group Life Insurance to Your Employees

The Importance of Life Insurance for Stay-At-Home Parents

How to Simplify the Process of Comparing Life Insurance Rates

The Importance of Selecting Your Life Insurance Beneficiary

Deciding on Term Life or Mortgage Insurance

How Are Life Insurance & Health Insurance Rates Determined?

Preparing Your Family Members So They Know How to Collect Life Insurance Death Benefits

Do You Know What Your Life Insurance Coverage Includes?

Learn More About Joint Term Life Insurance Learn More About Joint Term Life Insurance

Why You Should Consider Whole Life Insurance If You’re Young

What You Need to Know When Applying For Life Insurance

Purchasing Life Insurance For Married Couples

Whole Life Insurance for Young Children

How To Purchase Life Insurance Without A Medical Exam: Discover the Pros & Cons

When Is Whole Life Insurance Preferable to A Term Life Policy?

Life Insurance: A Great Way to Plan Your Financial Future

5 Ways to Pay Less For Your Insurance Premiums

Looking for the Perfect Gift This Christmas: Choose the Gift of Life Insurance

Buying Whole Life Insurance When You’re Healthy & Young: Discover Why It’s Best Not To Wait

The Pros & Cons of No Examination Life Insurance

Discover 7 Easy Ways to Pay Less for Life Insurance

What You Need to Know Before Purchasing Life Insurance

Term Life Insurance & Buying a House: An Effective Partnership!

Determining the Amount of Term Life Coverage to Purchase

Dealing with Life Insurance Issues When You Divorce

Why Purchase A Term Life Policy?

Home | About Us | Contact Us | FAQ's | Articles | Site Map | Privacy Policy Copyright © 2018 A-1AutoInsurance.com, 5705 Steep Hill Road, Bldg 10712, Fort Smith, AR 72916