My son is 30 years old. He let his car insurance lapse. His car insurance has been canceled for non-payment over the past years. So now he can’t seem to find an insurance carrier to insure his car in Savannah, Georgia. How can he get car insurance now?

Daniel

Savannah, GA

Due to your son having car insurance lapse previously, he is now considered a high risk driver. For drivers such as your son that are unable to find an insurance carrier in the voluntary market that will insure them, many states have high risk insurance companies that will cover these types of drivers.

High risk drivers in Savannah, Georgia typically have to go the GA Automobile Insurance Plan (GAAIP). It was created to give car insurance coverage to eligible high risk drivers who seek coverage and are unable to get such coverage through the voluntary market.

To find out who these insurance companies are in Savannah, Georgia and how your son can obtain auto insurance in GA through the GAAIP so that he can insure and use his car contact the GA Insurance Commissioner.

What makes a high risk driver?

There’s a lot of factors that may classify you as the high risk driver. If have irregular and insufficient auto insurance in the past or have been classified as a high risk driver due to many involvement in the accident, you are on the high risk category. Usually men, those living in the urban population, teenagers are considered riskier than women, rural people and adults. In addition to that, if you have bad credit history, its a negative picture for your car insurance company.

What can you do to lower your insurance rate?

You cant expect to drop in from a high risk category instantly of course but you may maintain a good driving record and try to better your driving ratings; avoid traffic violations and getting into accidents is a big start to lower your premiums. Old car models lower insurance rates. You may also just get the basic car insurance coverage for our vehicle on a lesser rate. Try to improve your credit ratings at the same time by paying your bill on time.

Where can I get auto insurance?

If you are refused by different companies in Houston, you can shop around for other companies that offer insurance for high risk through the internet. Again, if you want to lower your insurance, make sure you maintain a good credit history and keep a clean driving record.

Goodluck!

-MariCAR