When it comes to finding auto insurance, drivers typically fall into two categories on the road: "low risk" and "high risk." Auto insurance companies generally define "high risk" drivers as those who are risky to insure due to a poor driving record, inexperience behind the wheel, or even credit history. For example, an insurance company may consider you a high risk driver if you have:
- Had one or more auto accidents
- Received multiple speeding tickets or other traffic citations
- Been convicted of Driving Under the Influence (DUI)/Driving While Intoxicated (DWI)
- Just received your driver’s license
- A poor or patchy credit history
"Low risk" drivers are those who may be less likely to get involved into trouble on the road. They may have a good driving record and an established credit history, work close to home, or live in a rural area. These last two factors mean that a driver may be on the road less often or may encounter fewer vehicles on the road, both of which could reduce their chances of being in an accident.
Where can I get high risk auto insurance?
Some high risk drivers have found it difficult to find auto insurance that meets their coverage AND budgetary needs. There are auto insurance companies, like Direct Auto & Life Insurance, that specialize in and offer high risk auto insurance. Even if your driving record is less than perfect, you should still compare auto insurance quotes to find the most affordable car insurance.
Can I avoid being a high risk driver?
Yes! You may be considered a high risk driver now, but it doesn't have to be that way forever. There are a handful of things you can do to become a low risk driver and make sure you stay that way. Being a low risk driver can not only help you stay safer on the road, but it may also help you lower your auto insurance costs. To take steps towards being a low risk driver, you can:
- Take a defensive driving or education course
- Drive a car with more advanced safety features
- Make sure you follow all traffic and parking laws
- Drive defensively to better avoid an accident
If you have more questions about high risk auto insurance, Direct Auto & Life has the answers. Visit one of our many locations or give us a call at 1-877-GO-DIRECT (1-877-463-4732).