What is it and why me?
Lots of drivers in difficult circumstances want to know: What is high-risk auto insurance?
High-risk auto insurance is something that certain drivers need if they have been labeled “high-risk” by an insurance company. What is a high-risk driver?
A driver may be deemed “high-risk” for any number of reasons. Often these are due to past problems that end up on a driving record, like multiple car accidents, lapses in coverage, too many insurance claims, a ticket for driving under the influence (DUI) or driving while intoxicated (DWI), speeding tickets, or an SR22 form.
However, non-driving-related problems can end up having an effect on your status as a high-risk driver, too. Drivers with high-value or specialized vehicles could find that it is harder to get standard car insurance from some companies, as could drivers with a bad credit history. These are all factors that some car insurance companies see as a bigger risk to insure, and as a result, high-risk drivers could be denied auto insurance when applying with these companies.
If you’re a high-risk driver who needs auto insurance, you know finding the right coverage can be tough. You need at least the minimum amount of state-required coverage, but standard auto insurance may be hard to get. That’s why it can be smart to choose a company that specializes in high-risk auto insurance or non-standard auto insurance. These types of policies cater specifically to drivers who need to get back on the right track. With high-risk auto insurance you can get the amount of coverage you need, the proof of insurance you are required to have, and get back on the road safely and with all your bases covered.
When choosing high-risk auto insurance, be sure to compare providers so you can get the right coverage and the best price. A company that will work with you to customize your payment plans or even provide discounts on your insurance can lead to a better experience with high-risk auto insurance. Once you decide on the best high-risk auto insurance company, talk with the agent about your situation so you’ll walk away with everything you need to stay covered. Whether you’re working with an SR22, trying to clean up your driving record, or insuring a high-performance car, high-risk auto insurance is within reach for drivers.