California High Risk Auto Insurance
Staybull Insurance specializes in high risk auto insurance all across the great state of California. Our agency represents not one but many top rated insurance carriers that accept high risk drivers. In many cases insurance companies will not accept you if they consider you to be high risk but we are here to help. Our agency is able to provide coverage for individuals that have a bad driving record, prior tickets, accidents, and claims. We are an independent brokerage that has contracts with many major California insurance companies allowing us to offer good rates for high risk drivers. Please feel free to give us a call or chat with an agent today.
What makes you high risk?
Claims - Your claims history will play a big role in determining insurance rates in California. Insurance is based on risk and insurance companies have to collect a premium based on the risk they are accepting by providing you insurance. If you have prior claims in the past they believe you are more likely to have another claim in the future.
Accidents - Getting into an accident can be one of the biggest things that affect your insurance rate in California. Insurance companies assume that if you have gotten into accidents in the past you are more likely to get in another one in the future and raise your rate accordingly.
Driving Records - Having a bad driving record will also affect your insurance rate in California. The more violations you have the more high risk you would be. Some of these violations include speeding tickets, driving while intoxicated, driving on a suspended license, and running a stop sign or red light.
Location - Insurance rates vary drastically in California based on the location of your residence. Some locations are considered much more high risk than others. Sometimes bigger cities are higher risk because the population is larger and you are much more likely to get into an accident.
Age - Insurance rates in California also vary based on your age. Younger drivers are typically considered to be high risk since they have less experience and are more likely to get into an accident.
About Us
We are an independent insurance agency that specializes in high risk auto insurance for individuals that have a bad driving record or prior claims.