High Risk Drivers.com

News, Issues and Insurance Advice on High Risk Driving Topics. Educate yourself on Police Tactics, Fighting Traffic  Tickets, Avoiding a DUI and Traffic Stops. Compare the Best High Risk Car Insurance Rates in All 50 States.

BUSTED - The Citizen's Guide to Surviving Police Encounters
Created by Flex Your Rights and narrated by retired ACLU director Ira Glasser, BUSTED realistically depicts the pressure and confusion of common police encounters. In an entertaining and revealing manner, BUSTED illustrates the right and wrong ways to handle different police encounters and pays special attention to demonstrating how you, the viewer, can courteously and confidently refuse police searches.

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Posted by highriskdrivers at 3/5/2008 2:00 PM | View Comments (0) | Add Comment | Trackbacks (0)
Chill the Road Rage
Source: http://www.whatsdrivingyou.org/ Jesse White, Illinois Secretary of State This Article is adapted from "Keep Your Cool - CHILL the Road Rage!" What causes aggressive driving behavior and "Road Rage"? Aggressive driving behavior usually occurs as a result of heavy traffic, hectic schedules, pressure and daily stress. An angry or impatient driver may act out his/her frustrations by driving in a reckless, rude or intimidating manner - such as speeding, tailgating, weaving in and out of traffic, making obscene gestures and using the horn excessively - endangering other motorists or pedestrians. In its extreme, aggressive driving behavior can escalate into "road ...
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Posted by highriskdrivers at 2/15/2008 8:20 PM | View Comments (0) | Add Comment | Trackbacks (0)
What to Do When You Are Pulled Over by the Police
Source: http://www.nolo.com/ Learn what to say and what not to say and when vehicle searches are legal. Your battle to beat a ticket begins the instant you realize you're being stopped by a police officer. You will be in a much better position to challenge your ticket in court if you take a few simple steps when you are pulled over. Here are some suggestions. 1. When You See the Police Car If a police car is following you with its siren blaring or emergency lights flashing, pull over to the right safely and quickly. Pull over in ...
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Posted by highriskdrivers at 1/17/2008 7:55 PM | View Comments (0) | Add Comment | Trackbacks (0)
I'm Not A Bad Driver...Am I?
Source: http://www.insurance-compare-save.comBeing a good driver and having no moving violations or citations on your record can save you a significant amount of money on your auto insurance. And most drivers think that they are good drivers, but it just cannot be true. The sheer number of car accident per year prove that most drivers are not good drivers. If you consistently have bad driving habits, an accident is bound to happen eventually.Most people know that they should fasten their seatbelts before they drive (it is the law, and heavily enforced, in most states). They also know not to watch DVDs, ...
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Posted by highriskdrivers at 12/16/2007 8:35 PM | View Comments (0) | Add Comment | Trackbacks (0)
Swimming in the assigned-risk pool
It's the last resort, but for some drivers, it's your only option. Here's how auto insurance works if your record isn't so clean. By Insure.com You've just had your fourth accident in the past 12 months and you've received notice that your insurance company is canceling your auto insurance. After checking with other insurance companies, you find that none will insure you. Where do you go now? Unfortunately, the news is not good. You can continue trying to buy a policy with other auto insurers, of course. But if that fails, in most cases you'll need ...
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Posted by highriskdrivers at 12/23/2006 11:39 AM | View Comments (0) | Add Comment | Trackbacks (0)
What To Do When You Encounter Aggressive Drivers
Aggressive Drivers: Who Are They? Here's what we know of them, so far: · These high risk drivers climb into the anonymity of an automobile and take out their frustrations on anybody at any time. · For them, frustration levels are high, and level of concern for fellow motorists is low. · They run stop signs and red lights, speed, tailgate, weave in and out of traffic, pass on the right, make improper and unsafe lane changes, make hand and ...
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Posted by highriskdrivers at 8/20/2006 3:14 PM | View Comments (0) | Add Comment | Trackbacks (0)
72% of online consumers use the Web for Auto Insurance Quotes
Source: Keynote Systems Inc. June 21, 2006 - San Mateo, Calif. Keynote's customer experience study shows that consumers are turning away from obtaining auto insurance quotes over the phone and increasingly turning to the Web for those same quotes. This study uncovered that in the highly competitive $158 billion auto insurance industry, price competitiveness and the online quote process are the leading indicators of success in landing new customers online. The Keynote Customer Experience Rankings for Auto Insurance Web Sites examines the online experience of 1,500 prospective auto insurance customers as they interacted with leading auto ...
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Posted by highriskdrivers at 8/16/2006 8:30 PM | View Comments (0) | Add Comment | Trackbacks (0)
Being High Risk Is A Costly Game With Your Auto Insurance
Source: http://www.insurance-compare-save.com Risk is not a game, and it could cost you a lot of money. Being a high risk can alter how much you pay in auto insurance premiums and it can also prevent you from getting auto insurance at all. There are several ways you become a high risk driver, and many other ways to decrease your risk. Knowledge can be the best prevention to lower your auto insurance costs.How do you become a high risk driver for auto insurance companies? You could have a number of at fault accidents or even a DUI. There are ...
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Posted by highriskdrivers at 8/16/2006 8:26 PM | View Comments (0) | Add Comment | Trackbacks (0)
11 car-care tips that save gas
Source bankrate.com By Lucy Lazarony Fill up with a lower-octane gasoline. Buy the lowest grade or octane of gasoline that is appropriate for your car. Unless your car requires premium gasoline, filling up your car with high-octane fuel is a waste of money. That pricey premium fuel won't boost your car's fuel economy or performance in the least, so skip it. If you're not sure what grade of fuel works best for your car, open up your owner's manual and take a look. As long as your engine doesn't knock or ping when you fuel up ...
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Posted by highriskdrivers at 8/15/2006 3:30 PM | View Comments (1) | Add Comment | Trackbacks (0)
Gas-Saving Devices Mostly a Scam
From magnets to additives, there are no off-the-shelf miracles for increasing fuel efficiency. There is no conspiracy. Really. Source : Bankrate.com Over the years, the U.S. Environmental Protection Agency has tested myriad gas-saving devices that burst onto the consumer scene: devices that bleed air into the carburetor or bubble air through a container of water and antifreeze mixture, fuel-line gadgets that heat the gas before it enters the carburetor, magnets that clamp to the inside or outside of the fuel line to change ...
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Posted by highriskdrivers at 8/15/2006 3:21 PM | View Comments (1) | Add Comment | Trackbacks (0)
How to Stop a Friend From Driving Impaired
Source: friendsdrivesober.org If a friend or someone you know has been drinking while at a party or "out on the town," they shouldn't drive, so please prevent them from doing so. Many people believe that coffee, a cold shower, or fresh air is all that's needed to overcome the effects of alcohol. In truth, time is the only way to get alcohol out of the system. If a friend of yours has been drinking, he or she shouldn't drive. There are steps you can take to keep a friend alive. 1 Be proactive. Talk with your ...
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Posted by highriskdrivers at 7/15/2006 8:17 PM | View Comments (0) | Add Comment | Trackbacks (0)
Avoiding A DUI Arrest
Source: http://www.drunkdriverinfo.com/ We constantly are exposed to the message: "don't drink and drive" but people routinely drive to and from places where alcoholic beverages are served. The accepted strategy is to limit the drinking and drive normally afterward. We don't know if we are in compliance with the very complex DUI legislation. All we know is that if we don't have the misfortune of being stopped by the police or getting into an accident, we don't expect anyone to challenge whether we are complying with the law. We know that the odds are greatly in our favor. However, the penalties ...
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Posted by highriskdrivers at 6/12/2006 8:15 PM | View Comments (0) | Add Comment | Trackbacks (0)
Avoiding Tickets
Source: www.speedtrap.org IMPORTANT NOTICE: THIS IS NOT LEGAL ADVICE. The information presented here is based upon best available information at time of posting. Readers are advised to verify information they intend to rely upon. Before going out on the road Make sure your car at least looks good. The idea to remember is if the car looks good, it appears that the owner is a responsible person. If an officer has to choose between a white 1988 Olds Cutlass going 75 that's in good condition and a white 1988 Olds Cutlass going 75 that is missing a rear bumper, has ...
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Posted by highriskdrivers at 5/9/2006 8:12 PM | View Comments (0) | Add Comment | Trackbacks (0)
Hybrid Car Incentives—Full-Dollar Tax Credits
Source: http://www.hybridcars.com New Tax Credit for 2006 New and improved hybrid car incentives—full-dollar tax credits—took effect on Jan. 1, 2006. For most hybrid car buyers, the new credits are ...
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Posted by highriskdrivers at 4/25/2006 7:55 PM | View Comments (0) | Add Comment | Trackbacks (0)
Traffic Tickets: Deciding Whether to Fight or Pay Up
Source: http://www.nolo.com/ Evaluate your chances of winning before you go to traffic court. There are two kinds of traffic tickets: Ones you can beat and ones you can't. The problem is determining which kind you got. If it's your first ticket in ten years and you expect it will be another decade before you get another one, you may want to avoid this whole question, pay the fine, and move on. Or you may want to consider going to traffic school, which takes a day of your time but keeps you record clear. If you can't attend traffic school -- ...
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Posted by highriskdrivers at 4/8/2006 8:08 PM | View Comments (0) | Add Comment | Trackbacks (0)
Five Strategies for Fighting a Traffic Ticket
Source: http://www.nolo.com/ So you want to fight your speeding or traffic ticket? Here are five strategies that may help you win your case. 1. Challenge the Officer's Subjective Conclusion In many states, with many tickets, it's possible -- and sometimes even fairly easy -- to challenge the police officer's view of what happened. This is particularly likely in situations where a cop must make a subjective judgment as to whether you violated the law. For example, when an officer gives you a ticket for making an unsafe left, you may argue that your actions were "safe and responsible" ...
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Posted by highriskdrivers at 4/8/2006 7:57 PM | View Comments (0) | Add Comment | Trackbacks (0)
Obtain the Officer's Notes Before Going to Traffic Court
Source: http://www.nolo.com/ If you're going to fight a traffic ticket, you'll want to know as much as you can about the case against you. After ticketing you, most police officers write notes -- usually on the back of your ticket -- with details of why you deserved the ticket and what the conditions were at the time. If you can obtain those notes before your traffic court hearing, you'll be ahead of the game. Just before trial, the officer will typically review his notes, and sometimes refer to them while testifying. With courtroom experience, an officer can often ...
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Posted by highriskdrivers at 4/6/2006 7:53 PM | View Comments (0) | Add Comment | Trackbacks (0)
When Speeding Isn't Speeding
Source: nolo.com/ If you want to fight a speeding ticket, understand the different types of speed limits and how to defend yourself. All 50 states use three basic types of speed limits, called "absolute," "presumed," and "basic." Because each type of speed limit violation often requires a unique defense, it is key to understand which you are charged with violating. "Absolute" Speed Limits Most states have an "absolute" speed law. There is no trick to how this works: If the sign says 40 mph and you drive 41 mph or more, you have violated the law. There are ...
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Posted by highriskdrivers at 4/5/2006 7:51 PM | View Comments (0) | Add Comment | Trackbacks (0)
Fines, License Suspensions, and Traffic School
Source:http://www.nolo.com/ Learn when you may face a fine, traffic school, higher insurance premiums, or even the suspension of your driver's license. The consequences of not contesting a ticket, or fighting a ticket and being found guilty, can be serious. As you doubtless know, you can face a stiff fine, traffic school, significantly higher insurance premiums, and possibly even the suspension of your driver's license. Fines A routine ticket for speeding, failure to yield, or failure to stop at a stop sign will normally cost you between $75 and $400, depending on your state law and, sometimes, your driving ...
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Posted by highriskdrivers at 4/4/2006 7:48 PM | View Comments (0) | Add Comment | Trackbacks (0)
Most And Least Expensive Cars to Insure
Source: insurance.com You may know that it costs more to repair some cars than others, and more to insure some cars than others. It may not have dawned on you that this also translates into higher claims payments from you insurance company. What does that mean to you? Higher claims typically lead to higher insurance rates... For example, when you file a claim with your insurance company, there’s a good chance that your rates will go up at the time of renewal. The dollar amount of that claim can have a big impact on your rate increase. Below ...
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Posted by highriskdrivers at 4/3/2006 7:46 PM | View Comments (0) | Add Comment | Trackbacks (0)