Not only is driving without car insurance illegal, but it could set you back hundreds to thousands of dollars if you're involved in an accident. Drivers with poor credit, minimal driving experience, or multiple citations may think the reasonably-priced coverage is out of their reach. However, less-than-perfect drivers can find affordable high-risk insurance with the help of Ohio Insurance Center Agency in Cincinnati, OH.

If you're shopping for high-risk insurance, here's what you need to know:

• High-Risk Drivers Can Be Insured: While many companies only insure motorists with pristine driving records, you can find a reputable insurance company offering high-risk insurance, sometimes called non-standard auto insurance.  
• Do Your Homework Before Choosing A Company:  Look for different companies selling high-risk insurance, and investigate the pros and cons of each policy. A plan with unbelievably competitive premiums may not provide sufficient coverage.
• SR-22 Is Not Insurance: Usually required for people with a history of severe traffic violations, SR-22 is a form that has to be filed by the insurer with the state to document a driver has met minimum financial responsibility requirements. Not all companies provide this service, so do your research.
• High-Risk Coverage Can Be Flexible & Affordable: Some companies specialize in high-risk insurance, offering customers flexible payment schedules that fit their budgets. These entities understand the challenge of paying for high-risk coverage and the extra paperwork required.

Fortunately, penalties don't count against you forever, and you can take traffic safety or defensive driving courses to improve your record and find a more affordable insurance rate. When you need help with high-risk insurance, call Ohio Insurance Center Agency in Cincinnati at (513) 522-6300. You can also visit the website for more information and a free quote to see your car insurance needs.