For drivers who have been accused of a DUI, involved in some serious accidents, or don't have much driving history, high-risk insurance can be the key to meeting your state's minimum insurance coverage. However, being categorized as a high-risk driver comes with additional restrictions and higher premiums, so most people will want to get out of this pool as quickly as possible.

1st Choice Insurance, one of Fairfield, OH's leading high-risk insurance specialists, has some tips for lowering your premiums:

• Shopping Around: Not every insurance carrier uses the same criteria for determining high-risk drivers, so shop around with several different companies to see if you can get a better rate. To save time, visit an independent insurance agent who maintains relationships with several different providers, giving them a variety of products to choose from.
• Drive Safer: In general, tickets and accidents will continue to affect your insurance rates for up to five years, so the sooner you start exercising caution behind the wheel, the better. Just avoiding speeding can reduce the tickets that can lead to an exponential increase in your insurance rates.
• Have Your Children Take Driver's Ed: While having a teenager on your car insurance won't automatically qualify you as a high-risk driver, you can expect to see your rates go up. Most insurance carriers will give you a discount if your kids maintain good grades and take a state-approved Driver's Education course, either through their school or a private company. If your children do cause an accident, though, your insurance company may drop them altogether.

If you have special insurance needs, you can rely on 1st Choice Insurance to get you the best rates in the business. Visit their website to learn more about their high-risk insurance policies, or call their office at (513) 860-0666 to make an appointment and get insurance quotes over the phone.