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If you are a new driver or you’ve had driving violations in the past, you might believe insurers cannot sell you an auto insurance policy because you are too risky to insure. Even if you have a less-than-perfect driving record, many insurance companies offer high-risk insurance, so you can get behind the wheel again. The insurance team at Ohio Insurance Center Agency, located in Cincinnati, OH, explains if you need high-risk insurance.

High-risk drivers have a greater chance of filing an insurance claim than the average driver. If you have any type of serious driving violation on your record, such as a hit and run, a DUI or DWI, or three or more moving violations within one year, you are deemed a high-risk driver by auto insurance companies. Young, student-aged drivers and drivers over 70 years old are also considered high-risk, as are drivers of any age who receive their driver's license for the first time.

high-risk-insuranceIf you’re unsure of what information appears on your driving record, visit the DMV website to view your personal report. Depending on the state you live in, you may be able to see your motor vehicle report and a driving record online. The DMV website also gives you information about requesting your motor vehicle record by mail or in person.

If you’re considered a high-risk driver, it's important to receive as many price quotes as possible to find an auto insurer offering a reasonable rate. Use a website such as Netquote to receive quotes from different insurance companies offering high-risk insurance policies.  

The team at Ohio Insurance Center Agency has provided Ohio residents with affordable rates on their auto insurance policies for over 40 years. Give them a call at (513) 522-6300, or visit them online to receive a free insurance quote.

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