What You Need to Know About High-Risk Auto Insurance

Are you a high-risk driver? Are you researching cheap auto insurance for high-risk drivers? You’re in the right place. High-risk auto insurance shouldn’t be a scary subject. If you have a less-than-perfect driving record, we’re here to give you all the answers you need.

While every state has a minimum requirement for auto insurance, high-risk drivers have to pay higher premiums. That’s because a driver labeled as “high-risk” has a higher potential of filing a claim—which make them less appealing to some auto insurance companies.

At SaveALot Auto, we’re dedicated to cheap auto insurance to all drivers—even if you have a less-than-perfect record.

What makes you a high-risk driver?

  • If you’ve been convicted of driving under the influence of drugs or alcohol. A DUI typically stays on your record for 3 years, so you’ll be labeled a high-risk driver for at least that long. You’ll also need an SR-22 Certificate if you have received a DUI.
  • If you have multiple speeding tickets.
  • If you have driven without a license.
  • If you’ve been involved in a serious accident that involved an injury, a certain amount of property damage, or a fatality.
  • If you’re a new driver or a teen driver.
  • If you’re an older driver.
  • If you drive a high-risk vehicle like a sports car.

For high-risk auto insurance, the more recent history matters more. If you had speeding tickets 10 years ago, those won’t affect you nearly as much as a speeding ticket within the last year.

What can you do to lower your risk?

  • Take a defensive driving course
  • Always drive defensively and within the speed limit to avoid speeding tickets or accidents. If you don’t receive a ticket for three years, you will likely get lower premiums.
  • Drive a safer car

Looking for cheap high-risk auto insurance?

SaveALot Auto is here to help. Get your free quote instantly.