Best Car Insurance for High-Risk Drivers in 2024 (Top 10 Companies)
Discover the best car insurance for high-risk drivers with top providers like Progressive, State Farm, and Allstate, which offer accident forgiveness and discounts of up to 15%. Explore rates, coverage details, and customer satisfaction to make informed decisions and find the right coverage for you today.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
UPDATED: Nov 4, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 4, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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13,128 reviewsCompany Facts
Full Coverage for High-Risk Drivers
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13,128 reviews
17,760 reviewsCompany Facts
Full Coverage for High-Risk Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
17,760 reviews
11,413 reviewsCompany Facts
Full Coverage for High-Risk Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
11,413 reviews
Our Top 10 Company Picks: Best Car Insurance for High-Risk Drivers
| Company | Rank | Accident Forgiveness | Safe Driver Discount | Best for | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 10% | 30% | High-Risk Flexibility | Progressive |
 | #2 | 15% | 30% | Personalized Approach | State Farm |
 | #3 | 10% | 25% | Dedication to Safety | Allstate |
 | #4 | 13% | 20% | SmartRide Program | Nationwide |
 | #5 | 14% | 18% | Accident Forgiveness | Liberty Mutual |
 | #6 | 11% | 15% | Coverage Options | Farmers |
 | #7 | 10% | 22% | Risk Management | Travelers |
 | #8 | 10% | 20% | Safe Driving Discount | American Family |
 | #9 | 17% | 25% | Competitive Rates | Erie |
 | #10 | 8% | 26% | High-Risk Coverage | The General |
Whether you have a history of accidents, speeding tickets, or DUIs, these companies understand your unique situation and are here to help. Unlock more content in our “The Best and Worst Drivers by State”.
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#1 – Progressive: Top Overall Pick
Pros
- Snapshot Program: Progressive offers the Snapshot program, allowing drivers to earn discounts based on their driving habits. Discover more in our Progressive insurance review & ratings.
- Wide Range of Discounts: The company provides various discounts, such as multi-policy, multi-car, and safe driver discounts, making it potentially cost-effective.
- User-Friendly Mobile app: Progressive’s mobile app is user-friendly, offering features like roadside assistance and easy claims reporting.
Cons
- Potentially Higher Premiums: Some customers report higher premiums compared to other insurers, especially for certain high-risk profiles.
- Limited Local Agents: Progressive primarily operates online, which may be a drawback for those who prefer in-person interactions with local agents.
#2 – State Farm: Best for Your Neighborhood Insurance Partner
Pros
- Extensive Agent Network: State Farm boasts a vast network of local agents, providing personalized service and support. Find more info about the company in our State Farm insurance review.
- Drive Safe and Save Program: The Drive Safe and Save program offers potential discounts for safe driving habits, monitored through a mobile app.
- Diverse Coverage Options: State Farm provides a wide range of insurance products beyond auto, allowing customers to bundle and save.
Cons
- Higher Premiums For Young Drivers: Young or inexperienced drivers might face higher premiums with State Farm.
- Limited Online Presence: While they have improved their online services, State Farm may still be perceived as more traditional, lacking some digital conveniences.
#3 – Allstate: Best for Protection Beyond Boundaries
Pros
- Drivewise Program: Allstate’s Drivewise program rewards safe driving behavior with potential discounts, and it provides valuable insights into driving habits.
- Range of Coverage Options: Allstate offers various coverage options, including rideshare coverage and sound driving features like Accident Forgiveness. For details, read our Allstate insurance review & ratings.
- User-Friendly Mobile App: The mobile app offers features like claim tracking, bill pay, and roadside assistance.
Cons
- Higher Premiums: Allstate’s premiums can be on the higher side, especially for high-risk drivers or those with a history of claims.
- Limited Discounts: While they offer discounts, the variety might not be as extensive as some competitors.
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#4 – Nationwide: Best for Nationwide Coverage and Local Care
Pros
- Vanishing Deductible: Nationwide offers a vanishing deductible program, allowing safe drivers to reduce their deductible over time.
- Plenti Rewards Program: The Plenti Rewards program lets customers earn points that can be redeemed for discounts at various retailers. Discover more about the company in our Nationwide insurance review & ratings.
- On Your Side Review: Nationwide’s personalized insurance review can help customers identify potential discounts and ensure adequate coverage.
Cons
- Limited Local Agents: Nationwide relies more on agents, but the availability of local agents may vary, potentially affecting personalized service.
- Claims Processing time: Some customers report longer-than-expected claims processing times.
#5 – Liberty Mutual: Best for Liberty and Security
Pros
- New Car Replacement: Liberty Mutual offers new car replacement coverage, ensuring customers get a new car, not just the depreciated value, in case of a total loss. Seek more in our Liberty Mutual insurance review & ratings.
- 24-hour Claims Assistance: Liberty Mutual provides 24/7 claims assistance, making it convenient for customers to report and process claims at any time.
- Better Car Replacement: This coverage option allows customers to replace a totaled car with one that’s a model year newer.
Cons
- Potentially Higher Premiums: Some customers find Liberty Mutual premiums to be higher compared to other insurers.
- Mixed Customer Service Reviews: While some customers praise the customer service, others report dissatisfaction, indicating a mixed experience.
#6 – Farmers: Best for Cultivating Reliable Insurance
Pros
- Bundling Discounts: Farmers provides attractive discounts for bundling multiple insurance policies, such as auto and home insurance. Dig deeper in our Farmers insurance review & ratings.
- Signal app: Farmers offers the Signal app, allowing safe drivers to earn discounts based on their driving habits.
- Diverse Coverage Options: Farmers offers a variety of coverage options, catering to different needs and preferences.
Cons
- Potentially Higher Premiums: Some customers report relatively higher premiums compared to other insurers.
- Claims Processing: While Farmers has a generally smooth claims process, some customers have reported delays.
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#7 – Travelers: Best for Journey Securely
Pros
- Intellidrive Program: Travelers offers Intellidrive, a usage-based program allowing safe drivers to earn discounts based on their driving habits. Find more info in our Travelers insurance review & ratings.
- Multi-Policy Discounts: Customers can benefit from discounts by bundling auto insurance with other policies like home insurance.
- Wide Range of Coverages: Travelers provides a comprehensive range of coverage options, allowing customers to tailor their policies.
Cons
- Mixed Customer Reviews: Some customers praise Travelers for its services, while others express dissatisfaction, indicating a varied customer experience.
- Potentially Higher Premiums: Like some competitors, Travelers may have higher premiums for certain profiles.
#8 – American Family: Best for Family-Centric Insurance Excellence
Pros
- Know Your Drive Program: American Family offers a usage-based program, KnowYourDrive, providing discounts for safe driving habits. For details, read our American Family insurance review & ratings.
- Bundle Discounts: Customers can save by bundling auto insurance with other policies like home or renters insurance.
- Exceptional Customer Service: American Family is often praised for its customer service, providing a positive experience for many clients.
Cons
- Limited Regional Availability: American Family operates in fewer states compared to some larger insurers.
- Potentially Higher Premiums: Depending on the location and driver profile, premiums may be relatively higher.
#9 – Erie: Best for Rate Lock Feature
Pros
- Rate Lock Feature: Erie offers a Rate Lock feature, ensuring that policyholders’ rates remain stable unless there are significant changes in coverage or personal details. Explore further in our Erie insurance review & ratings.
- Local Presence: With a strong focus on the Midwest and Mid-Atlantic regions, Erie provides localized service through agents.
- Above-Average Customer Satisfaction: Erie consistently receives high marks for customer satisfaction and claims handling.
Cons
- Limited Availability: Erie operates in a limited number of states, limiting its availability for potential customers.
- Fewer Discounts: Some customers note that Erie may offer fewer discounts compared to larger national insurers.
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#10 – The General: Best for Specialized Coverage
Pros
- High-Risk Acceptance: The General specializes in providing coverage to high-risk drivers, offering options for those with challenging driving records. For more, check our The General insurance review & ratings.
- Online Quotes: The General provides online quotes, making it convenient for customers to get estimated premiums quickly.
- Monthly Payment Plans: Offering monthly payment plans, The General provides flexibility in premium payments for some customers.
Cons
- Limited Coverage Options: The General may have more limited coverage options compared to other insurers.
- Higher Premiums for Some: High-risk drivers accepted by The General may still face relatively higher premiums.
Best Car Insurance for High-Risk Drivers: What You Need to Know
High-risk car insurance caters to drivers more likely to have accidents, considering factors like driving history, age, vehicle type, and credit. Tailored for those with less-than-perfect records, it provides essential protection, though with higher premiums. This specialized coverage ensures access to necessary car insurance despite a challenging driving history.
Car Insurance for High-Risk Drivers: Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $125 | $188 |
| American Family | $88 | $136 |
| Erie | $50 | $70 |
| Farmers | $120 | $173 |
| Liberty Mutual | $150 | $212 |
| Nationwide | $90 | $137 |
| Progressive | $95 | $140 |
| State Farm | $70 | $96 |
| The General | $200 | $277 |
| Travelers | $85 | $134 |
Tailored for those with less-than-perfect records, it provides essential protection, though with higher premiums. This specialized coverage ensures access to necessary car insurance despite a challenging driving history.
The Importance of Finding the Right Car Insurance For High-Risk Drivers
High-risk drivers need to prioritize finding suitable car insurance to ensure they have adequate coverage for accidents, medical expenses, and property damages. Continuous insurance coverage is essential to avoid legal and financial penalties. It’s important for high-risk drivers to compare quotes from various insurers to secure the best coverage at reasonable rates.
High-risk drivers should look for insurance providers specializing in their needs, as they offer tailored coverage and understand the challenges these drivers face. Compare car insurance quotes from different providers to find the best coverage options and prices. Some insurers even provide programs to help high-risk drivers improve their driving habits, potentially lowering premiums and enhancing road safety.
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Factors That Determine High-Risk Car Insurance Rates
The rates for high-risk car insurance are influenced by several factors. One of the primary factors insurance companies consider is a driver’s previous accidents or violations. The more infractions on your record, the higher the perceived risk, leading to increased premiums. Other factors include age, type of car, credit history, location, and even gender.
Best Car Insurance Companies for High-Risk Drivers
Progressive
Progressive understands the challenges faced by high-risk drivers and provides tailored insurance solutions to meet their needs. With options like the Snapshot® program for potential rate reductions based on safe driving habits and flexible payment plans, Progressive aims to make insurance more accessible and affordable for high-risk drivers.
Their commitment to offering competitive rates and discounts ensures that drivers can find a policy that suits their individual circumstances and budget.
State Farm
State Farm understands the unique challenges faced by high-risk drivers and provides personalized service through local agents to assist them in finding suitable coverage options. With features like the Drive Safe & Save program, which rewards safe driving habits, and various discounts available, State Farm aims to make insurance more accessible and affordable for drivers with a history of accidents or violations.
Their commitment to offering tailored solutions ensures that high-risk drivers can find a policy that meets their individual needs and budget.
Allstate
Allstate understands the challenges high-risk drivers face and provides personalized support through their network of agents, offering SR-22 filings and various discounts to help make insurance more affordable for those with a history of accidents or violations.
With their commitment to safety and innovative tools, Allstate strives to assist high-risk drivers in improving their driving behavior and finding the right coverage options for their needs.
Comparing Quotes: How to Find the Best Car Insurance for High-Risk Drivers
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Tips for Lowering Your Premiums With High-Risk Car Insurance
Lowering your premiums with high-risk car insurance requires a multi-faceted approach. Start by shopping around for quotes from different insurance companies to find the best rates available. Additionally, work on improving your driving record by avoiding accidents and traffic violations, as a clean record can lead to lower premiums over time.
Consider taking a defensive driving course, as some insurers offer discounts to drivers who complete these courses. You can also opt for a higher deductible to reduce your premiums, but make sure you can afford the out-of-pocket expenses if you need to make a claim. Choosing a less expensive and safer car can also help lower your insurance costs.
Bundling your car insurance with other policies, such as home or renters insurance, may qualify you for a multi-policy discount. Maintain continuous coverage without any lapses to demonstrate responsibility to insurers. Explore usage-based insurance programs that base premiums on your actual driving habits, rewarding safe driving behavior with lower rates.
Lastly, don’t forget to ask your insurance provider about any other discounts you might qualify for, such as discounts for low mileage, anti-theft devices, or being a member of certain organizations. Understanding “How much is car insurance” for your specific situation can also help you budget effectively.
Exploring Specialized Coverage Options For High-Risk Drivers
High-risk drivers may have unique insurance needs that go beyond the standard coverage options. Some insurers offer specialized coverage options catered specifically to high-risk drivers, such as accident forgiveness programs or coverage for drivers with a DUI. These additional coverage options provide further protection and peace of mind for high-risk drivers who may face more challenges on the road.
Expand your knowledge with our “Car Safety: Drunk Driving Prevention Guide for Teens and Adults”.
The Pros and Cons of Choosing A Dedicated High-Risk Car Insurance Provider
When selecting car insurance for high-risk drivers, it’s crucial to consider whether to choose a dedicated high-risk car insurance provider or a traditional insurer. Dedicated high-risk car insurance providers specialize in serving this particular market segment, offering tailored coverage and expertise in dealing with high-risk drivers.
While these providers may have higher premiums, their understanding of the unique challenges faced by high-risk drivers can be advantageous. However, it’s essential to weigh the pros and cons of both options to make an informed decision.
Unlock more content by checking out our: Car Insurance: A Complete Guide
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Common Mistakes to Avoid When Shopping for High-Risk Car Insurance
When shopping for high-risk car insurance, it’s important to avoid common mistakes that could negatively impact your coverage or premiums. One common mistake is not disclosing accurate information about your driving history or other relevant details. Providing false information can lead to denied claims or policy cancellations.
Additionally, failing to compare quotes from multiple insurers can result in higher premiums or missed opportunities for better coverage. Being aware of these mistakes can help high-risk drivers navigate the insurance market more effectively.
Are you familiar with the different types of car insurance coverage?” Understanding your options can guide you in choosing the most suitable coverage for your situation.
How to Improve Your Driving Record and Gradually Lower Your Risk Profile
Improving your driving record is crucial for high-risk drivers who want to eventually lower their risk profile. While the steps to improving driving habits may vary depending on individual circumstances, some general strategies include obeying traffic laws, avoiding distractions while driving, and practicing defensive driving techniques.
Over time, demonstrating responsible and safe driving behavior can positively impact your risk profile, potentially leading to lower insurance premiums.
Learn more by reading our: How Does My Driving Record Affect My Parents Insurance Rates?
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Understanding Sr-22 Filings and Other Requirements for High-Risk Drivers
High-risk drivers may encounter additional requirements, such as SR-22 filings, depending on their past infractions. An SR-22 is a certification of insurance that verifies drivers have met the state’s minimum requirements for auto insurance coverage.
Melanie Musson Published Insurance Expert
This filing is often mandated for drivers with serious violations, such as driving under the influence or driving without insurance. Understanding the specific requirements in your state is crucial to ensure compliance and maintain the necessary coverage.
Learn more by reading our: What Are the Requirements in Washington to Get an SR-22?
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What to do If You’ve Been Denied Regular Car Insurance Due To A High-Risk Status
If you have been denied regular car insurance due to a high-risk status, it’s important not to panic. While some insurance companies may turn you away, others specialize in providing coverage for high-risk drivers.
Exploring dedicated high-risk car insurance providers or working with insurance brokers who have experience in this niche can help you find the coverage you need. Remember, just because one company rejects your application does not mean all insurers will do the same.
Read more: What Should I Do If My Car Insurance Claim Is Denied?
Customer Reviews: Real-Life Experiences With Different High-Risk Car Insurance Providers
Real-life customer reviews can be invaluable when choosing the best car insurance for high-risk drivers. Reading reviews from other high-risk drivers who have valuable experiences with various insurers can provide insights into the quality of service, claims handling, and overall satisfaction with a specific company. Pay attention to both positive and negative reviews to get a balanced understanding of each insurer’s strengths and weaknesses.
Learn more by reading our: Best Car Insurance for Liability Insurance
Expert Insights: Industry Recommendations for Finding the Best Coverage for High-Risk Drivers
Obtaining expert insights can help high-risk drivers maneuver the complex world of car insurance. Industry professionals have extensive knowledge and experience in dealing with high-risk drivers and can offer valuable recommendations on finding the best coverage options.
Consulting with insurance agents, independent experts, or seeking advice from industry professionals can provide a clearer path forward when it comes to securing the best car insurance for high-risk drivers.
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Exploring Additional Benefits and Features Offered by Top High-Risk Car Insurance Providers
When choosing high-risk car insurance, it’s essential to consider the additional benefits and features offered by each provider. Some insurers offer perks such as roadside assistance, rental car coverage, or even personalized policy options. These additional features can add value to your insurance coverage and make the overall experience more convenient and satisfactory.
For additional information, read our recent article: What Does Car Insurance Cover?
The Role Of Telematics and Usage-Based Auto Insurance in the World Of High-Risk Coverage
Telematics and usage-based auto insurance have gained popularity in recent years as a means to monitor and reward safe driving habits. Since high-risk drivers are focused on improving their driving records, some insurers offer these programs to promote safer driving and potentially lower premiums for high-risk drivers who demonstrate responsible driving habits over time.
Understanding the role of telematics and usage-based insurance can be beneficial when exploring high-risk car insurance options. Additionally, it’s essential to know how far back do insurance companies look at driving records? to understand how past infractions may impact your rates.
Case Studies for High-Risk Car Insurance
Navigating car insurance as a high-risk driver can be tough. Explore how Allstate, Progressive, and State Farm tailored coverage for drivers facing unique challenges in these case studies.
- Case Study #1 – Tailored Coverage for a 25-Year-Old Driver With Multiple Violations: Jordan, a 25-year-old driver with traffic violations, needed affordable specialized coverage. Allstate provided tailored coverage, offering comprehensive protection that let Jordan drive confidently despite his driving record.
- Case Study #2 – Affordable Coverage for a High-Mileage 30-Year-Old Driver: Alex, a 30-year-old with a high-mileage job, needed affordable insurance for extensive travel. Progressive’s flexible policies and competitive rates for high-mileage drivers were a perfect fit, offering a cost-effective solution that met Alex’s coverage needs and budget.
- Case Study #3 – Comprehensive Protection for a 22-Year-Old Driver with a DUI: Mia, a 22-year-old with a DUI conviction, sought comprehensive insurance coverage. State Farm provided specialized, comprehensive protection tailored to her situation. Despite her high-risk status, State Farm became Mia’s reliable partner, offering financial security and peace of mind on the road.
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How Different Types Of Violations and Accidents Affect Your Risk Profile and Premiums
Not all accidents and violations are treated equally by insurance companies. Different types of violations, such as speeding tickets or at-fault accidents, can impact your risk profile and influence your insurance premiums differently.
Understanding how different incidents can affect your insurance rates can help you prioritize safe driving and make informed decisions when it comes to filing claims or navigating the aftermath of accidents or violations.
In conclusion, high-risk car insurance plays a pivotal role in providing crucial coverage for drivers who face unique challenges on the road. By understanding the intricacies of high-risk car insurance, exploring various providers, and following the tips outlined in this article, high-risk drivers can find the best car insurance that meets their specific needs.
Stop overpaying for car insurance. Our free quote comparison tool allows you to shop for quotes from the top providers near you by entering your ZIP code.
Frequently Asked Questions
What is high-risk car insurance?
High-risk car insurance is a type of auto insurance designed for drivers who are considered riskier to insure due to factors such as a history of accidents, traffic violations, DUI convictions, or being a young or inexperienced driver.
Discover more by reading our: Car Accidents: What to do in Worst Case Scenarios
How can I determine if I need high-risk car insurance?
If you have a history of multiple accidents, traffic violations, DUI convictions, or other serious infractions, you may need high-risk car insurance. Insurance companies will assess your driving record to determine your risk level.
Start saving on your auto insurance by entering your ZIP code and comparing quotes.
What factors contribute to being classified as a high-risk driver?
Factors that can contribute to being classified as a high-risk driver include a history of accidents, traffic violations, DUI convictions, driving without insurance, driving with a suspended license, or being a young or inexperienced driver.
Can I get affordable car insurance if I am considered high-risk?
While premiums for high-risk drivers are generally higher, it is still possible to find affordable options by shopping around, comparing quotes from different providers, and taking advantage of available discounts.
For more information, read our: Best Car Insurance by Vehicle.
What are some tips for reducing car insurance costs as a high-risk driver?
Strategies for reducing car insurance costs as a high-risk driver include maintaining a clean driving record, completing a defensive driving course, opting for a higher deductible, driving a less expensive or safer car, and bundling policies.
How long does high-risk car insurance last?
The duration of high-risk car insurance varies depending on your driving record and the regulations in your state. Typically, high-risk status can last from one to three years, during which you should work on improving your driving habits to potentially lower your risk level.
What is an SR-22 and do I need it for high-risk car insurance?
An SR-22 is a certificate of financial responsibility that verifies you have the state-required minimum auto insurance. If you have been convicted of certain violations, your state may require an SR-22 filing as proof of insurance, especially if you are considered high-risk.
Learn more by reading our: What is an SR-21?
Can I switch to a regular insurance policy after being on high-risk car insurance?
Yes, with time and by improving your driving record, you can transition back to a regular insurance policy. Continuously maintaining a clean driving record and keeping your high-risk period free from new violations can help you qualify for standard insurance rates sooner.
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Are there any discounts available for high-risk drivers?
Some insurance companies offer discounts for high-risk drivers who complete defensive driving courses, maintain continuous coverage, or demonstrate improved driving habits over time. It’s always a good idea to ask your insurance provider about potential discounts.
What should I do if I’ve been denied regular car insurance due to a high-risk status?
If you’ve been denied regular car insurance due to a high-risk status, consider seeking out insurers specializing in high-risk drivers or working with insurance brokers who can help you find appropriate coverage options tailored to your needs.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
