A DUI conviction, more than a couple of accidents, or even a few traffic tickets can send your car insurance premiums through the roof and make it difficult to find coverage at all. Fortunately, many agencies and insurers specialize in providing high-risk insurance to drivers with less-than-perfect records without breaking the bank. These special policies are designed to fit your needs and fulfill any state government requirements so you can drive with confidence.
What Is High-Risk Insurance?
Insurers use a variety of factors to determine the likelihood they’ll have to pay out on a claim, but few are as important as your driving history. Some insurers don’t want to cover drivers who received several traffic tickets in a short period of time, assuming they’re more likely to result in expensive claims. High-risk insurance companies understand people with a poor driving history still need coverage and specialize in providing policies tailored to their situation.
Because high-risk insurance providers cater to those without perfect driving records, they keep their policies as affordable as possible. They’re also skilled in meeting the requirements of those who might have to provide the state with proof of insurance to maintain their driving privileges. If you’ve been convicted of a DUI or have a lot of accidents, you might be required to file an SR-22 every month. High-risk insurance agents and carriers can help you or take care of it for you.
For over 20 years, Allstar Insurance has been helping drivers throughout the Lincoln, NE, area get the coverage they need. Because they work with high-risk insurance providers from across the country, they can shop around to find you the best deal possible, no matter what your driving history looks like. Visit their website to learn more about their expertise, like their Facebook page for more insurance tips, and give them a call at (402) 477-0900 to request your free auto insurance quote today.