If your driving record has blemishes on it—from speeding tickets to a DUI—you might require high-risk auto insurance. Ultimately, the difference between qualifying for high-risk or standard auto insurance comes down to your likelihood of filing insurance claims or being liable for traffic violations, based on your prior driving record.
While your premiums increase as a high-risk driver, you can reduce your monthly costs and even shed the high-risk classification altogether. Learn what high-risk auto insurance is and how to lower your costs.
Insurers classify a high-risk driver as someone who carries a greater risk when operating a vehicle, therefore increasing their likelihood of filing a claim, causing an accident, or committing a traffic violation. While there are no set rules for who’s considered high-risk, there are many reasons drivers can be deemed high-risk—from minor traffic violations such as speeding tickets to major violations like DUIs.
There’s no universal timetable for being a high-risk driver—each driver carries their own unique designation based on their own record. If you have multiple serious violations, you’ll likely be considered a high-risk driver for a longer period than someone with minor violations.
Violations add points to your driving record. These points are typically removed from your record after a certain amount of time. If you maintain a clean driving record over time, points will eventually fall off your record and you’ll no longer require high-risk auto insurance.
There are many reasons you could require high-risk auto insurance, including:
Rates for high-risk auto insurance will vary based on your unique circumstances. The best course of action to determine the cost is to request a free online quote or speak to an agent near you.
Fortunately, there are ways to reduce coverage costs and eventually lose your high-risk designation completely:
As a high-risk driver, it’s important to understand everything that impacts your car insurance and how you can work toward reducing the cost of your high-risk auto insurance policy.
If you’re a driver searching for the best high-risk auto insurance, find the right plan for you today by receiving a free quote or speaking with your local agent.
What if I can’t find high-risk auto insurance?
An insurance company may deny coverage for several reasons—they may not offer a high-risk policy, or they have strict guidelines as to what “high-risk” means to them and how high of a risk they’re willing to cover. Not all insurance companies have the same guidelines, so make sure to contact several to find someone who’ll insure you. You can call 888-344-4357 now to see what Dairyland can offer you.
How long am I considered a high-risk driver?
The designation is entirely dependent on your driving record. If you continue to get tickets, cause accidents, and stick to old habits, then it’ll be difficult to shed that designation. However, if you have a squeaky-clean record moving forward, you should be able to move out of the high-risk driver designation over time. In the meantime, here are some ways you can get cheap car insurance to help with the higher costs that can come with high-risk insurance.
Are there other ways to improve my driving record?
Yes. One easy way to improve your driving record is to take a defensive driving course. Typically, your insurance provider will have a course they recommend. Taking the course may even get you a discount on your policy.
Now that you’ve learned about high-risk auto insurance, check out all the ways you can get cheaper car insurance.
As you're researching high-risk auto insurance offerings, beware of "no-deposit car insurance" claims.
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