What is High-Risk Auto Insurance?

Many people have driving records that are less than perfect. High-risk insurance, or more commonly called “Non-Standard” insurance, refers to an auto insurance policy that is given to a high-risk driver, which means you will pay higher car insurance premiums.

Some auto insurance companies only insure drivers with spotless driving records, but there are other companies that offer high-risk insurance. You just need to know where to find them. And if you’ve had your license suspended or revoked and require an SR-22 policy for reinstatement, you’ll want to shop around to find the best rate with a reputable company.

What is an SR-22?

An SR-22 is not an insurance policy; it’s simply a financial responsibility form proving that you have insurance coverage. The SR-22 is filed with your state by your insurance company and certifies that you carry the minimum liability coverage on your car insurance policy. If you do not own a motor vehicle, you must purchase “non-owners” liability coverage. If you’re not currently insured, this could cause your driving privileges to be revoked. The Department of Motor Vehicles in your state will notify you if you require an SR-22 policy.

Your driving record will determine if you need high-risk car insurance. For example, if you’ve been convicted of driving under the influence of drugs or alcohol or have multiple speeding tickets, you may be placed in a high risk category, requiring special high-risk auto insurance. Your recent driving record history is the most important factor taken into account. Any accidents or tickets you’ve had in the last 12 months will count more than an incident from several years ago. This can make it difficult for you to find affordable auto insurance, since many insurance companies refuse to take the risk.

What if you are in a high-risk group for car insurance?

So what can you do if you’re in a high-risk group for car insurance?

First, get a free online car insurance quote to get an idea of what your premium might be, based on your driving record and other factors.

Even if you need high-risk auto insurance or are looking for affordable teen car insurance, here are some things you can do that may lower your cost:

  • Take a defensive driving course. Check with an Agent for approved courses.
  • Trade in your car for a model with a better safety record or more safety features.
  • Follow all traffic laws. Going three years without a ticket may result in a decrease in your rate.
  • Drive defensively. Significant discounts are available if you can stay accident-free for three years.

Talk to an agent or get a free online car insurance quote to find out what InsureOne can do for you. We will find you the best deal because we do all the research. We work with the established, major low-cost insurance companies to find you the best coverage at the best price.

Call us today and see how much you can save on your high-risk auto insurance.