Auto Insurance for the High Risk

April 13th, 2012
Risk of driving uninsured

We all need car insurance, unfortunately previous mistakes, mishaps, and accidents can cause a driver to require high risk insurance. There are a great deal of factors that cause a driver to be considered high risk.

License suspension and/or revocation requires a driver in most cases to present what is known as an SR22 to the motor vehicle registry. An SR22 is a form that provides definitive documentation to the DMV that you have the proper vehicle liability insurance.

In the case of a DUI/DWI a driver may be required to carry an SR22 for a period from 3-5 years. The best way to ensure you get the best pricing for high risk insurance is to get multiple auto insurance quotes every year.

While there are many factors that brand a driver as high risk, the following is a list of the most common. Driving without insurance, in 49 out of 50 states, and being involved in an accident. Any DUI/DWI charge will also flag a driver as high risk, and will raise rates an incredible amount.

Additionally, a poor driving record with habitual traffic violations or accidents can label a driver high risk. Age is also a factor in some cases. Over 70 years old or under 20 years old, insurance companies may consider you a high risk driver.

With all of the factors that may require a driver to carry non-standard, high risk insurance, we suggest taking a look at our resource center at for insurance and driving laws in your specific state.

After you have determined the laws in your area be sure to get multiple, free, auto insurance quotes from Do not pay more for car insurance even if you are labeled ‘high risk’. You deserve affordable auto insurance.

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