Who Needs High Risk Car Insurance
By: Good2GoPublished: October 20, 2015
Each auto insurance policy is unique. A person’s age, vehicle, daily mileage, financial standing, and a dozen or so other factors will determine which type of insurance coverage best suits them.
Some folks aren’t as lucky. Drivers with a poor driving history are often categorized as high risk. These “bad drivers” are required to purchase high risk auto insurance which typically has higher premiums. Some states will also mandate that they carry an SR-22, which is a document indicating that the individual is licensed and has the minimum liability coverage needed in that state. People may be considered high risk for a variety of reasons.
The most common offences that affect your classification as a high risk driver include:
• Serious moving violations, like reckless driving
• Multiple traffic violations/tickets in a short period
• DUI or DWI convictions
• Causing an accident while driving uninsured
• Lack of driving experience
These are commonly cited violations, but there are some that may not seem so obvious because they have nothing to do with actual driving.
Other, less common factors include:
• Owning a highly modified, rare, or expensive car
• Having a poor credit score
• Living in a high risk area
• Changing policies multiple times within a short period
Most high risk drivers aren’t aware that they can get car insurance without paying an arm and a leg. Luckily, there are insurance companies like Good2Go Auto Insurance that specialize in providing affordable coverage to high risk motorists.
Before you start shopping for affordable car insurance rates, it’s best to do a little bit of research. Find out exactly what’s on your driving record by calling your local Department of Motor Vehicles (DMV). Ask about the details of any violations so you can set the record straight if it’s incorrect or find out how you can pay any outstanding fines.
You can also improve your situation by taking advantage of defensive driving courses. There are likely several approved courses in your area. If you complete these courses and pass, not only will you become a better driver, but you may also be eligible to receive a Defensive Driving Discount from Good2Go.
Good2Go is determined to help high risk drivers drive legal for less. Protect yourself affordably with Good2Go.com auto insurance and get cheap high risk auto insurance today.