When it comes to securing auto insurance, there are certain categories of drivers that may be considered "high risk." As a result, their policies typically have additional features that differ from standard ones. But how do drivers know if they fall into one of these categories? Ohio Insurance Center Agency in Cincinnati, OH, is the area's premier provider of high-risk insurance. The firm shares several factors that generally determine if a driver needs this type of coverage.

High-Risk Insurance Factors

1. Many Traffic Infractions

Drivers who were involved in vehicle accidents that were determined to be their fault may be considered high risk by insurance providers. Having multiple traffic violations may also require you to secure high-risk insurance to continue driving. This also includes speeding tickets.

2. Uninsured Drivers

If a driver has no history of prior auto insurance, some providers may consider them to be a high risk. All licensed drivers in most states are required to have at least minimum coverage. If there are lapses in coverage from the last policy a driver had to the present, some insurance carriers may only offer high-risk insurance.

3. DUI & DWI Convictions

Another common high-risk category includes people who have been convicted of either driving under the influence (DUI) or driving while impaired (DWI). High-risk insurance will be required, along with education courses and driver license reinstatement to drive again. The rules vary by state, but proof of insurance tops the list of requirements by most departments of motor vehicles.

4. Poor Credit History

Some insurance providers will even penalize drivers with a poor credit history. Their reasoning for restricting coverage to high-risk insurance is people who are careless about paying their bills on time or who have filed for bankruptcy may be financially careless with paying their auto insurance.

Life happens. Unfortunately, situations can lead to drivers losing their insurance coverage. The good news is there are ways to reinstate it and get back on the road. Let the friendly, non-judgmental team at Ohio Insurance Center Agency help you understand how high-risk insurance works. To learn more information, or for a free quote, call (513) 522-6300 or visit the website.