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Disabled Drivers and Car Insurance Rates

Car insurance companies have a lot of different things that they consider when they are assigning car insurance rates. For every application, there is going to be a serious consideration of driving record as well as a number of other things such as auto restoration costs. If you are a disabled driver trying to get some coverage, then you should be aware of some of the special challenges that you might face in getting a fair price for your premium. Once you are aware of these challenges, then you can do your best to attack them and find out some great ways to make sure that you save on your coverage.

Although there are laws that prohibit insurance companies from refusing to sell coverage to disabled drivers and for charging them higher prices for this coverage, there are some ways that insurance companies can get away with increasing your premiums. If you are worried about this, then the best thing for you to do is shop around for insurance providers who are willing to work with you and accommodate you. You shouldn't be forced to pay extra for your premiums because of your disability.

How Insurance Companies Charge

When insurance providers want to change more money to disabled drivers they don't do so based on the disability. Instead, insurance companies get around this by trying to charge extra money based on modification of the vehicle. Sometimes, disabled drivers have to seriously modify their cars in order to get them to do the jobs they need them to do. In the process of this, a lot of money is spent and a lot of value is added to the car. When this happens, the insurance company makes a claim that the car is worth a lot more.

When a car is worth a lot more and will cost more to fix, then insurance companies are going to be there ready to charge more for coverage on such a vehicle. The providers are taking a risk by insuring you, and they know that modified vehicles are going to cost a whole lot to fix. To make up for the extra risk that they are facing, they are going to charge you some extra money each month on your premiums. See what you can do about getting these premiums down to a minimum. You may have to make a case for some of your modifications.

Try Specialty Insurers

One thing that you might want to do to ensure that you are getting a fair price for coverage even though you are disabled is to go with a specialty insurance company. There are a lot of these companies out there, and they can be sure to help you find a good rate on your policy. When you are dealing with experts who deal with insurance for disabled persons, then you have a really good shot of getting a fair market price for the coverage that you need.

The best way to make sure that you know everything you can about disabled drivers and car insurance rates is to make sure that you are up front about everything. If you have made some modifications to your vehicle, then you need to make sure that you report them to your provider as soon as possible. Your provider has the right to know about changes that you make to your car and informing them about these changes is the best way to insure that you know whether or not you are covered.


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