Whenever you apply for auto insurance, companies will assess your driver profile to determine how high your premiums should be. While age and driving frequency can influence your risk amount, there are a few notable issues that will cause insurance providers to consider you a high-risk driver. Fortunately, this designation isn’t permanent. If you’re classified as part of this group, here’s a brief guide to how long your status may last.

What Are the Insurance Limits on a High-Risk Driver?

No Prior Insurance

If you’ve had a lapse in previous coverage or have never held auto insurance before, companies will consider you high-risk. Compared to traffic offenses, however, this designation doesn’t last long. You can usually expect your premiums to lower after about six months of holding your policy; as long as you don’t have any incidents in that period.

Excessive Tickets

In addition to putting points to your driving record, traffic tickets can be a red flag to auto insurance companies—especially if you have received several in a short period. The time limit on these infractions can vary depending on the nature of the fine and how many you have. Less serious tickets for offenses like speeding may only last up to two years, but others can increase your rates for up to three years.

DUI

Driving under the influence (DUI) and driving while impaired (DWI) are serious charges that can leave lasting impacts on your auto insurance needs. In fact, you may need a special type of coverage—known as SR-22 insurance—to prove you have sufficient liability coverage in your policy to keep driving. Additionally, you can expect to be classified as a high-risk driver for a period of three to five years.

When you’re recognized as a high-risk driver, Mazzola Insurance is here to help keep your coverage costs to a minimum. Providing customized auto insurance in Rochester, NY, these agents will help you find the policy that best fits your needs. They offer many unique savings for risky drivers, including traffic ticket forgiveness and driver training discounts. Visit this agency online to learn more about their auto insurance or call (585) 266-7130 to speak to a friendly team member.