The task of finding an affordable high risk auto insurance is a challenging one. The insurance would be labeled high risk if you have a poor credit score, a pathetic driving record; or you happen to reside in a neighborhood where car theft happens on a regular basis. You would also fall in this category if you have a suspended or revoked driving license. The fact of being labeled under ‘high risk’ is really unfortunate. But there is little that you can do as not everything is under your control.

However, being labeled as high risk is certainly not a hopeless situation. If you fail to get an insurance going down the normal route, take the help of residual market pool. If you have very little idea of how to get in touch with the people dealing in this market then take the help of the local chamber of commerce. Through their help you would be able to find lots of auto insurance companies including some of the leading commercial truck insurance companies in the industry. You will find a good number of companies selling a policy that is well within your budget. The internet is the best place where you can easily get a list of such companies, and compare their quotes.

Factors like bad neighborhood, poor credit score and DUI can sometimes be prevented if you become a little more careful. However, a thorough knowledge on the subject can act as a powerful tool and prevent you from getting into unnecessary trouble. For instance, canceling the insurance of your car before getting a new one will put you into the ‘high risk’ zone. This is a simple rule and can easily be avoided with prior knowledge. Therefore, always apply for a new insurance after ensuring that you are already insured. Also, maintain a good rapport with your present insurer. This is because; the reference of your present insurer might just prove handy in your future dealings. Therefore, prevention is always better than cure.

Safety is a very big issue particularly in commercial truck insurance. This is the reason why it needs the maximum number of insurance policies compared to any other auto insurance. For instance, the primary liability covers the damage of property and physical injury resulting out of an accident. On the other hand, the comprehensive coverage takes care of any loss arising out of theft and fire. The general freight policy and the trailer interchange policy are common to all high risk auto insurance including the trucks. The general freight policy usually covers the hazardous materials. The coverage amount normally starts from ten thousand dollars. The trailer interchange policy is an interesting one; it is more common in the world of commercial trucking and involves coverage that may not even belong to you.

The high risk auto insurance companies usually determine the amount of premium based on factors such as driver’s credit score, driving record, type of car, and last but not the least, through the age of the driver.