Cramer & Schmidbauer Insurance Agents

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5200 Ritchie Highway
Baltimore 21225
United States
Phone number:


9:00 - 17:00
9:00 - 17:00
9:00 - 17:00
9:00 - 17:00
9:00 - 17:00

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Company description

Making Insurance Affordable For High Risk Drivers

When you looking for cheap affordable auto insurance there are some things you need to be aware of. There are two types of drivers on the road. There are the “low risk” drivers and the “high risk” drivers. As you would expect, the insurance companies define “high risk” drivers as those who are risky to insure. They are risky based on several criteria. They could have a poor driving record, lack of experience, even a bad or poor credit history.
Some examples would be that the high-risk driver had one or more auto accidents. A high-risk driver may have received multiple speeding tickets or traffic citations. A high-risk driver might have one or more Driving Under the Influence (DUI) on their record or Driving While Intoxicated (DWI). These are not all of the criteria for a high-risk status when applying for auto insurance, but it gives you an idea.
If you’ve been identified as a high-risk driver by the insurance companies, you don’t have to give up hope. There are companies that handle affordable high-risk auto insurance. Cramer & Schmidbauer Insurance Agents have helped hundreds of high-risk drivers get affordable auto coverage.
Cramer & Schmidbauer Insurance Agents have been serving the Baltimore area for over 30 years. They have plenty of experience providing affordable high-risk drivers, and in some cases cheap high-risk auto insurance. You can trust James Cramer with Cramer & Schmidbauer Insurance Agents to look out for your best interest and to provide you with Cheap auto insurance, even if you are a high-risk driver.
If you are a high-risk driver, you may think there is no such thing as cheap auto insurance. You may think that it’s just to expensive to get insurance at all, however, keep this in mind. It is illegal to drive in most states without some kind of auto insurance. If you get caught without insurance, or worse, have an accident without insurance it will cost you way more than just paying for insurance.
One accident without insurance could cost you hundreds even thousands of dollars in damages. And if your caught without auto insurance, you could lose your driver’s license. You’ve made a few poor choices out on the road, don’t make it worse by driving without insurance. Now is a good time to start on your path to become a low risk driver. You don’t have to, or want to be a high-risk driver forever.
When you work with Cramer & Schmidbauer Insurance Agents, you are working with local agents here in Baltimore. They have an office you can visit if you want, you have a real person you can see and talk to and best of all, you have an honest agent who wants to help you find cheap and affordable auto insurance.
Cramer & Schmidbauer Insurance Agents also handles Home Owner Insurance, Life Insurance, Health Insurance and Business Insurance. When you work with James Cramer, and get coverage on your home owners insurance, you will get a discount when you bundle the auto insurance with him as well.
As a high-risk driver, you need to be aware that you can get affordable auto insurance. Some auto insurance companies only want to insure drivers with a lawless driving record. There are companies however like Cramer & Schmidbauer Insurance Agents and Jim Cramer who specialize in helping high risk drivers get affordable high risk auto insurance. So you can stop surfing the internet Baltimore, and stop on in to see Jim Cramer for cheap high risk auto insurance.
The good news is that you can get insurance, you don’t have to break the law and drive without auto insurance. The better news is that agents like James Cramer with Cramer & Schmidbauer Insurance Agents can offer you auto insurance policies that are cheap to help you as a high-risk driver. The bonus about working with James Cramer is that he will make sure that you get affordable insurance for your high-risk policy, but he will make sure you get the most coverage possible for the least amount of money. This will insure that you are getting the best bang for your buck. You as a high-risk driver will get the best coverage possible for the cheapest price possible.
If you are a high-risk driver who has had their licenses suspended, the court may require you to carry an SR-22 in order to get your driver’s license reinstated. An SR-22 is a document that states that you are financially responsible and carry the states minimum liability auto insurance that you state requires. Your SR-22 status will continue in most cases for 3 years, during this time you will be required to maintain a high-risk auto insurance policy. If you don’t do this, you risk having your driver’s license suspended again.
You may be a high-risk driver, but that doesn’t mean that you can’t get auto insurance at a discount. James Cramer specializes in helping drivers who are high-risk, find the best coverage possible at the cheapest discount possible. James offers a variety of discount policies to help you find an affordable auto policy. And as your driving record gets better over time, James Cramer can help you secure more discounts, like keeping an accident-free driving record, and going ticket or speeding free.
Some high-risk polices might be available to you for as little as a dollar a day. This is a very important and affordable investment to assure that you can keep driving to work rather than taking the bus or public transit. You can leave for work when you want to and not have to worry about catching the bus or the train.
As a high-risk driver, you want to make sure you understand the different kind of coverage and what you are required to have. The main policy that you need to have is liability coverage, this is required by most states. Liability coverage covers bodily injury to others and property damage to others if you are at fault in an accident. Collision insurance covers and helps pay for any damage to you vehicle if it is damaged in an accident by an underinsured, uninsured or unidentified driver.
The bottomline is that just because you are a high-risk driver, you can get affordable and possibly cheap auto insurance. So you can stop searching, contact James Cramer at Cramer & Schmidbauer Insurance and rest assured that you are getting the best most affordable high-risk auto insurance policy as possible.

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