To err is human: even the most careful and vigilant drivers can be caught speeding or they can cause a violation that automatically places them in the "high-risk drivers" group.

High-risk drivers are in a quite disadvantageous position - not only can they not qualify for the best automobile insurance rates, but sometimes they can't even obtain car insurance from a standard insurance company.  Quite an unenviable position, isn't it?

Well, not very much so any more. While in the past insurance companies were more restrictive to high-risk drivers limiting their policies to basic coverage, they have now become much more lenient, providing high-risk drivers a greater variety of coverages and many more discounts than they used to.

Today a high-risk driver is allowed to raise the liability limits of his or her coverage. In addition, many policies offer collision and comprehensive coverage with high or "zero" deductibles, depending on the policyholder's needs. Optional auto insurance protection, such as medical payments, rental and towing coverage may also be offered by high-risk insurers.

Essentially, in present-day auto insurance, auto policies offered on the high-risk market do not differ much from what standard car insurance provides. The major difference between the two can be found in the rates. As is to be expected, high risk drivers are subject to higher premiums, compared to owners of standard policies. But even high risk motorists paying top dollar for their personal auto insurance can qualify for standard rates, provided that they improve their driving record.

The good news is that insurers allow high-risk drivers to pay their premiums on a monthly basis, rather than in a big lump sum, which they might find more affordable. In addition to this, high risk drivers are usually offered a number of discounts which can help them significantly reduce their premiums. So if you are one, make sure you get all the discounts you are eligible for.

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