High-risk drivers are those people who — due to details of their driving record or personal life — appear to car insurance companies to be at a higher risk of accidents. These drivers must usually pay more for auto coverage. If you feel like you are paying too much for insurance, you may be a high-risk driver. Below are some factors insurers consider when determining risk.

Are You a High-Risk Driver According to Car Insurance Companies?

1. Have You Had a DUI?

If you've been convicted of driving under the influence (DUI) of alcohol or drugs in the past few years, car insurance companies will almost certainly flag you as a high-risk driver and charge you more for coverage. The conviction will raise your rates for at least three years from the conviction date — and some insurers will consider it for five years or more.

2. Have You Accumulated Multiple Moving Violations?

Even if you haven't committed a serious infraction like DUI or reckless driving, you may still be considered high risk if you've accumulated multiple lesser infractions, such as speeding tickets. Most insurers charge more to drivers who have received multiple tickets for moving violations such as speeding.

3. Do You Have No Prior Insurance?

If you try to buy car insurance, you will likely be considered high risk and pay more — sometimes a lot more — for coverage if you are unable to show that you currently have auto insurance through another provider. This type of situation signals to carriers one of two things: 1) you are a new driver, which automatically makes you a riskier insurance bet because of your inexperience, or 2) you have been driving without insurance, which is against the law in most states, including North Carolina.

For expert help designing a car insurance policy — even if you are a high-risk driver — contact Zimmerman Insurance Agency, a respected insurance broker in High Point, NC. They have been serving businesses and individuals in and around Guilford County and the Triad area since 1963. They also specialize in business, home, accident, and motorcycle insurance. Visit their website to view location details or call (336) 883-6512 to request a car insurance quote.