What is High Risk Auto Insurance?

If you have a less-than-stellar driving history, it may be harder for you to find car insurance. You likely fall into the high-risk driver category and therefore need high risk auto insurance to match. At SafeAuto, we have specialized in this type of car insurance coverage for over 25 years.

high risk auto insurance

What is high risk auto insurance?

All auto insurance companies assign a risk level to drivers based on several factors, including but not limited to, driving history, age of driver, and vehicle use. High risk auto insurance is a non-standard type of insurance that is often assigned to those drivers who are considered high-risk.

What makes a driver high-risk?

Though your driving and claims record are the primary factors used by insurance companies to determine “risk level”, other factors include:

  • At-fault accidents
  • Speeding tickets
  • Reckless driving
  • Racing
  • DUI
  • Poor credit
  • Age
  • Location
  • Insurance history
  • Vehicle use
  • Vehicle type

How can you lower your auto insurance cost?

If you have been classified as a high-risk driver, below is a list of some actions that you can take that may help lower your risk classification.

Take a defensive driving course

Taking a defensive driving course before your ticket has been reported to your car insurance company may help. Not only will it look good, you will also learn defensive driving techniques that will help to prevent future accidents and keep you safe on the road. Head to our blog for some safe driving tips.

Wait for your violations to expire

Your violations won’t last forever. If your violations are causing you to be classified as high-risk, you can wait until they expire and then re-evaluate. You may no longer be deemed high-risk and your premium may possibly be significantly reduced.

Improve your credit score

Since insurance companies pull credit scores, improving your credit score may make you appear more financially responsible. Improve your credit score and your premiums may decrease. For tips on how to improve your credit score, head to myfico.com.

SafeAuto can help!

If you are searching for car insurance for high-risk drivers, SafeAuto may be able to help. We specialize in providing automobile insurance coverage for drivers with less-than-stellar driving records. We can also help you obtain an SR-22 if needed and can provide affordable car insurance. Get a free quote online or call us at 1-800-SAFEAUTO (1-800-723-3288).