Let’s say you have a driving record that isn’t perfect (and, hey, it happens!) and you’re trying to get car insurance. You’re probably wondering how your driving record could impact your ability to get quality coverage. The good news is that getting high risk auto insurance is totally possible. Read on for some tips about figuring out if you’re considered a high risk driver and what to do about it.
What does it mean to be a “high risk driver”?
When it comes to risk, insurance companies generally classify drivers one of two ways: either as a low risk or high risk. They consider a low risk driver less likely to file an insurance claim, whereas a high risk driver may be more likely. This can be a problem because the higher the risk, the higher your insurance premiums will be..
How do I know if I’m considered a high risk driver?
Did you know it’s not just your driving record that can affect your risk status? The following factors could influence the way insurance providers look at you when it comes to insurance risk. The definition of a high risk driver could include you if you have:
- Recently received your driver’s license
- Been in at least one car accident that was your fault – typically within the previous 3 years
- Received multiple speeding tickets – typically within the previous 3 years
- Received multiple traffic citations- typically within the previous 3 years
- Been convicted of a DUI/DWI – typically within the previous 3 years
- A poor credit history
- Had lapses in insurance coverage
- Made too many claims in the past – typically within the preceding 3 years
- A high-value or specialized vehicle, such as a Lamborghini
- Never had auto insurance before
Ok, I’m a high risk driver. What do I do now?
You’ll definitely need car insurance, at the very least so you can meet your state’s minimum insurance requirements. But you might be dealing with issues like an SR-22, and it might be hard for you to find a provider. But don’t worry—you just need to find the right one.
How can I find an insurance company that accepts high risk drivers?
Well first, you should check around to compare companies just like you would in any other circumstances. However, you should start by checking out companies that specialize in non-standard car insurance (which is probably what you’re looking for). Do an online search for “non-standard insurance companies” or “high risk driver insurance,” and look for a company that can help you with your special circumstances so you can do things like create a custom payment plan, take care of an SR-22 requirement, or get insurance discounts.
Connect with Direct Auto Insurance
Have more questions about high risk auto insurance? Contact one of our agents and get the help you need.