High-Risk Auto Insurance: Things To Keep In Mind

If you are one of those that made poor choices out on the road, you still have a chance to make it better. Insurers consider some individuals to be “high risk” drivers. In other words, they are more expensive to insure. But who is considered a high-risk driver? To an insurance company, your behavior behind the wheel is what’s used to determine whether you are a high-risk driver or not.

When an insurance company calculates your premium, they may evaluate some driving and non-driving aspects to determine how much risk you pose. They will take a look at speeding tickets, DUI, reckless driving, at-fault claims, among other things.

High Risk vs. Low-Risk Drivers

Low-risk drivers are those who ‘for the most part’ don’t get into trouble on the road. They have a good driving record, work close to home, a good credit history, or may live in a rural area.  If the driver is on the road less often or there is less traffic, the chances of being involved in a crash are also less.

High-Risk Insurance

High-risk auto insurance can be expensive but driving without insurance, besides being considered illegal, can end up costing you more. At times, an accident with an uninsured driver can result in thousands of dollars. It may also cost you your license as well as other expenses and inconveniences that come as a result of driving without a driver’s license.

Shopping Around

It’s possible to find-high risk car insurance at an affordable price if you look in the right places. Some things to consider when shopping around for auto insurance:

  • Some insurers may not offer the high-risk option: There are insurance companies out there that may only insure drivers with good driving records while others specialize in helping drivers that are turned down by other insurers.
  • You can compare prices before making a decision: Find out not only about your pricing options but also coverage reputation and customer service. Some companies may target your financial situation and customize your payment plan accordingly.
  • Driving penalties are different for every state: Your insurer may advise ways for you to remove points on your driving record and may even reward you for attending traffic safety driving courses or taking positive steps to improve your driving history such as driving a car with advanced safety features, following parking and traffic laws, and implementing defensive driving techniques.  

Choose Wisely

Our licensed agents work hard to make sure all our customers receive the coverage they can afford and the service they deserve. To purchase affordable car insurance, call us today.


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