Drivers deemed by insurance companies as high risk usually pay higher insurance premiums; often, they are even refused insurance by traditional insurers. Why? Because insurers understand that people with certain driving histories tend to file more claims than other drivers, which could cost the insurer more than it earns. First Choice Insurance, the premier high-risk insurance agency in Fairfield, OH, explains below some of the factors insurers consider when labeling high-risk drivers. First Choice Insurance specializes in high-risk insurance and SR22 bond insurance, both of which help risky drivers get back on the road.

Below are some of the factors that could lead to you paying more for high-risk insurance:

• Operating A Vehicle Under The Influence (OVI): In Ohio, an OVI conviction labels you as high risk and results in costly fines and fees as well as higher insurance premiums. You must also file SR22 bond insurance through your insurance company to verify you are adequately insured.
• Multiple Violations: If your driving record has multiple violations over a short period of time—typically three traffic or speeding violations over the course of a year—your insurer will almost certainly elevate your status to high risk, which you'll feel in your pocketbook during the subsequent premium periods.
• A Serious Violation: A single serious violation like reckless driving, street racing, or excessive speeding is also likely to result in high-risk status. To keep your premiums low, drive safely, defensively, and within posted limits.
• A Serious Accident: Any accident resulting in death, serious injury, or considerable property damage is likely to result in you paying for high-risk insurance and SR22 bond insurance.

First Choice Insurance, one of the leading cheap car insurance companies in Greater Cincinnati, is your best bet for coverage when you have multiple violations on your record. They specialize in helping drivers get back on the road even after being denied coverage by other insurers. To learn more, visit their website, or call (513) 860-0666 to discuss your insurance needs with a friendly and knowledgeable expert.