Auto insurance companies base their rates on the likelihood that you might cause an accident or file a claim that would cost them money. If you’ve been convicted of a DUI, received a few traffic tickets, or caused a serious accident, finding affordable insurance can be difficult, and it may seem impossible. Fortunately, special high-risk insurance policies may provide the protection you need at reasonable prices.
A Brief Guide to High-Risk Auto Insurance
Who Needs High-Risk Insurance?
If you have multiple tickets or accidents on your driving record, insurance companies will likely consider you a high-risk driver. In some cases, insurers may refuse to write you a policy at all, particularly if you’ve been convicted of driving under the influence. Even new drivers or those with poor credit can have a hard time finding affordable coverage.
What Is High-Risk Auto Insurance?
Some reputable insurance companies specialize in serving high-risk drivers other providers turn away. While the rates for these policies will be higher than low-risk drivers might pay, insurers strive to make coverage as affordable as possible. Fortunately, after a few years of safe driving, your rates will start to come down until the insurers no longer consider you a substantial risk.
How to Get High-Risk Insurance
Getting the best rate possible on your auto insurance usually takes the expertise of an independent agent. Because they work with a variety of insurers, they can shop around and compare policies from different carriers to ensure you get the proper coverage at the best rates.
As one of Cincinnati, OH’s most experienced auto insurance companies, Ohio Insurance Center Agency specializes in helping high-risk drivers get the coverage they need. Their agents offer policies from over 20 different insurers, giving them an expansive list of products to choose from. Visit their website to learn more about their high-risk insurance services, follow their Facebook for more tips and advice, or call (513) 522-6300 to request a free quote.