If you have found yourself on that high risk driver list and need to find the cheapest high risk auto insurance, here are some tips to get the best rates possible.
High Risk Auto Insurance High risk auto insurance is a form of insurance that is issued to a certain category of individuals, these include.

• Individuals with poor driving records
• Teens (male and female)
• Owners of expensive cars such as sport and muscle cars
• Individuals who reside in areas that have high crime rates

Getting Cheap High Risk Auto Insurance If you fall into any of these classifications then your insurance is going to cost more than what the average driver will pay.
Not to worry, there are ways that you can reduce the cost by significant amounts.
Here are a few tips to consider when looking for the cheapest high risk auto insurance:

• By paying up all your fines you can get in touch with the Department of Motor Vehicle and petition them to clear history of driving.
  A clear driving history means cheaper car insurance.
  
• You can speak with your insurance agent to find out ways to downgrade you from the high risk category.
  One way is to take a Driver's Education course.
  
• Buy a car that has a low risk profile, these include a late model ford or Honda sedan.
  Also make sure these cars include safety features such as anti-theft devices and airbags.
  
• Increase your deductible to the highest amount you can afford.
  An increase from two hundred and fifty dollars to one thousand may afford you savings of up to 40 percent yearly on your premium.
  
• Buy your car insurance from your homeowner's or renter's insurance company.
  This can lead to a fifteen percent discount.
  
• If your car is worth less that the cost of you deductible and premium you can drop the comprehensive and collision coverage.
  
• Talk with your agent regarding discounts that you may be eligible for.
  Possible discounts include senior citizens, low mileage and driver education discounts your agent will be able to update you on the other ones available.
  

Your first step should be using an insurance comparison website to compare rates.
By doing this you will be able to see how much companies charge when compared to each other.
It is a known fact that rates vary from company to company sometimes in the hundreds of dollars.
By following these tips you should be able to find and negotiate the cheapest high-risk car insurance.
Insurance comparison websites also save you time.
By putting in the relevant information it will only take a few minutes to generate a quotation.
Some quotation websites even offer the option of chatting with an agent through the website or via a call back.