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Based on the number of questions that I get about Colorado high risk car insurance, 3 ways to save seems like a topic that needs to be addressed. What exactly makes someone a “high risk” driver? Most car insurance companies, especially in Colorado, use age to determine risk factor. Those under 25 and those over 65 are automatically put into the high risk category because of inexperience, susceptibility to distractions and attention span. How can you save money if you’re a high risk driver? Read on and find the 3 ways to save.

Drive Safe

This may seem like the most obvious thing in the world, but it is rule number 1 in saving money on CO car insurance if you’re a high risk driver. The longer you go without an accident, the more responsible your auto insurance company will think you are. That makes them more likely to drop your rates during your term as a high risk driver as well as after you stop being a high risk driver.

Utilize Discounts

If you’re over the age of 65 and have been with the same insurance company for a long period of time, they may give you a discount for being a loyal customer. Some car insurance companies give long-term, loyal customers up to a 15% discount on the premiums. This can most definitely help combat your high risk status.

If you’re under 25 and are a student, get good grades and they’ll give you a discount for it. This is a great way to save yourself money on your auto insurance that is categorized as high risk.

Add Responsible Drivers To Your Policy

Sometimes even adding a driver with an impeccable driving record to your policy can help combat the effects of having a Colorado high risk car insurance policy. Adding your parents or a grown child can help offset the high risk fee that is applied to your rates.

Compare High Risk Car Insurance Quotes Now!

Now you get to use this information on Colorado high risk car insurance and the 3 ways to save to find the most appropriate policy for your needs. It can pay to shop around and compare quotes from top companies. Keep in mind that just because you are declined coverage or have received a higher than expected rate from one company does not mean that every company will treat you the same way. Some Colorado auto insurance companies specifically try and market to high risk drivers so shop around and you will be sure to find a policy that will meet your needs and not break your budget.

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