indemnity companies consider some people to be “ high hazard ” drivers. As the name suggests, these drivers can present a greater liability to insurers due to their drive record, the character of cars they drive, or tied their credit history. The insurance ship’s company could see them as more expensive to insure .
You might be considered a high risk driver if you have :

  • Had one or more auto accidents
  • Received multiple speeding tickets or other traffic citations
  • Been convicted for Driving Under the Influence (DUI) or Driving While Intoxicated (DWI)
  • Just recently received your driver’s license
  • Been required by your state to file an SR-22
  • A below average credit history
  • A particularly specialized or high-value car

pro tip : Wondering “ What ’ s an SR-22 ? ” find out what SR-22 indemnity is, who needs it, and how much it might cost .

High Risk vs. Low Risk Drivers

On the flip side, “ depleted risk ” drivers are those who may be less likely to get involved into trouble on the road. They may have a good drive record and an established credit history, employment close up 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.

Cost of High Risk Auto Insurance

If you ‘re concern that gamey risk insurance will be besides expensive, consider this—driving without car policy is illegal in most states and it ’ s a gamble everywhere .
One accident ( specially with another uninsured motorist ) could result in hundreds, sometimes thousands, of dollars in damages. Getting capture driving without policy could cost you your license, which can lead to many other expenses and inconveniences .
The good newsworthiness is, you can find low-cost high risk cable car insurance if you look in the right topographic point. hera are four things you need to know before you begin shopping for car policy for high risk drivers .
1. Some auto insurance companies don’t offer a high risk option.
Some companies only insure individuals with about perfect drive records. other companies offer high risk insurance or “ non-standard car insurance. ” At Direct Auto Insurance, we specialize in helping drivers who ’ ve been put off or turned down by other companies, then give us a address or get a detached car insurance quote before committing to another provider .
2. You can still compare prices on high risk auto insurance policies.

As with most other things in biography, you can and should shop around before choosing an car policy party. Before you make a decision, compare eminent risk indemnity policies not entirely for pricing but besides for coverage and repute. Look for the three pillars of a bang-up indemnity company : excellent service, batch of coverage options, and competitive pricing .
even if you ’ re considered a high risk driver, there are companies out there that understand your personal and fiscal situation. direct Auto is one of them. We allow you to customize your payment plan to fit your payday schedule and your monthly budget. flexible, low-cost cable car indemnity for high risk drivers does exist .
3. SR-22 is not a type of insurance.
Some people mistakenly refer to SR-22 as a type of policy, but it isn ’ triiodothyronine. An SR-22 is a document that an insurance ship’s company files with the state to certify that an person has met the minimum fiscal duty requirements to have the legally mandated coverage. Courts or states will require an SR-22 for individuals who have had dangerous driving-related violations. not all insurance companies offer SR-22s, so if you need an SR-22, you will have to find an policy company that provides that service. direct car does !
4. You don’t have to be “high risk” forever.

so, you ‘ve made a few poor choices out on the road, but that was then, and this is now. Every department of state mandates a distance of fourth dimension that a drive penalty will stay on your record, but your policy company may be able to suggest ways for you to reduce the points on your drive record .
Some high gamble insurance companies reward drivers for attending traffic condom or defensive drive courses. Taking convinced steps to clean up your drive phonograph record can help you get low-cost car insurance and descent into the category of a “ lower ” risk driver. You can besides :

  • Use defensive driving techniques to help prevent accidents
  • Be mindful about following all traffic and parking laws
  • Drive a car with more advanced safety features
  • Choose Direct Auto for High Risk Car Insurance

Need a quote for high risk auto insurance, help with an SR22, or both?

We welcome all types of drivers to apply for coverage at lineal Auto. Come to your nearest direct Auto, get a release high risk car insurance quote on-line, or call us at 1-877-GO-DIRECT ( 1-877-463-4732 ) to see how we can provide you with the proof of coverage you ’ re required to have, premiums that work with your budget, and the servicing you deserve .

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