Not everyone with a questionable driving history needs high-risk insurance. The professionals at First Choice Insurance have three decades of experience assisting drivers in the Fairfield, OH, area, and they’re here to explain the details of high-risk insurance.

Who Needs High-Risk Insurance?

High-risk insurance is designed for drivers who have displayed risky behavior within the last one to three years. This includes drivers convicted of DWI, reckless driving, multiple traffic violations, or driving without insurance. If you have any of those on your record, then you probably require high-risk insurance coverage unless the events occurred more than three years ago. Contact your local insurance broker to verify your insurance needs.  

What You Need to Know About High-Risk Insurance

High-risk insurance is also often referred to as SR22 insurance because certain high-risk drivers are required to submit an SR22 bond to the state in order to keep or reinstate their driver's license. The SR22 bond form needs to be submitted to the government by your insurance agency.

How to Choose a High-Risk Insurance Provider

The premiums for high-risk insurance are typically higher than standard rates because of the potential risk. To find the best quote, look for an agency with extensive experience with high-risk drivers because they'll know the ins and outs of the system. They'll also be able to guide you through the steps to lower your rate and eventually remove your high-risk status.

If you're in need of high-risk insurance, contact First Choice Insurance for an affordable car insurance quote. These insurance gurus specialize in SR22 bonds and high-risk insurance policies, offering a discounted rate for SR22 bond filing to their customers. Contact them at their Fairfield office by calling (513) 860-0666 or check out their website for more information.