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Are You a High Risk Driver?

April 27, 2016

A “high-risk” driver is generally defined by auto insurance companies as someone who has a higher risk of having an auto accident.  Auto insurance companies often see high-risk drivers as undesirable, as they may end up costing a great deal in claims.


Why Might You Be Defined as a High-Risk Driver?

  • You have multiple accidents or tickets during a specific period of time.
  • You have a DUI.
  • You have a serious violation.
  • Any accident that results in a fatality.
  • Driving without a license.
  • Driving without insurance.
  • Your drive an exotic car.
  • For whatever reason, your auto insurance has lapsed.

How to Get Auto Insurance If You Are Considered High-Risk

  • You may need non-standard insurance.
  • SR-22 insurance for specific situations.
  • Allow your agent to shop auto insurance for you.
  • Determine what auto insurance discounts for which you may be eligible.
  • Improve your driving skills.
  • Consider a lower risk car.

At Innovative Insurance Services LLC, we combine premium Auto Insurance with personalized service to give you the best coverage possible. Our insurance specialists will work with you one-on-one to find a policy that keeps you and your drivers protected at all costs – for peace-of-mind driving assurance.