When determining how much a person should pay for coverage, car insurance companies assess the likelihood of a claim being filed. To protect their interests, insurers classify drivers either as high-risk or low-risk and calculate premiums accordingly. Depending on your driving record and experience, you may require high-risk insurance. Below are some tips for determining whether or not you’re considered a high-risk driver, and if so, what you can do about it. 

Why You May Need High-Risk Insurance & How to Get It 

Who Is Defined as a High-Risk Driver? 

Drivers are often deemed a high risk if they have any at-fault accidents in their history, multiple moving violations on their record, a DUI conviction, a lapse in insurance coverage, or several claims filed in the past. Although it plays the biggest part, your driving record isn’t the only factor that impacts how insurance companies evaluate your risk level. You may also be perceived as a high-risk driver if you recently received your license, drive a high-value or specialized vehicle, or have a low credit score. 

Steps You Can Take to Remain Properly Insured 

If any of these situations apply to you, it’s likely you will need to purchase high-risk insurance. This can present challenges that other drivers don’t have, as some insurers don’t offer high-risk policies. However, when the right steps are taken, it will be possible to obtain the coverage you need. Consult an agent who has experience working with high-risk drivers. They will know which providers to reach out to, which is especially important if you require SR-22 insurance, and how to maximize any discounts you may be eligible for. You should also think about taking a driver’s safety course to improve your skills. 

Once insurance companies deem you a high-risk driver, it can be difficult to find quality coverage at an affordable price. However, the professionals at 1stChoice Insurance are committed to helping the residents of Fairfield, OH, get the coverage they need to operate a vehicle safely and legally. They simplify the process of shopping for high-risk insurance policies and offer products that will fit into your budget. Call (513) 860-0666 to request a quote, or visit them online for additional information about their policies.