As you shop around for auto insurance quotes, you’ll likely notice that insurance companies want to know your driving record. Since higher risk drivers may carry more liability, being classified as a high-risk driver can increase your insurance costs. Use the following guide to understand your risk status and take steps to lower your rates. 

What to Know About High-Risk Auto Insurance

What’s a High-Risk Driver?

Generally, high-risk drivers are those who are more likely to be involved in auto accidents or other incidents on the road. You might be considered a high-risk driver if you’ve had one or more car accidents, have been convicted of a DUI, or have had multiple traffic violations. This is especially true if these incidents resulted in injuries or death. In some cases, new drivers and those who have never had insurance may be higher-risk drivers as well. Auto insurance companies will also see teenagers as higher-risk drivers than adults.

If you fall into one of the above categories, you’ll likely receive higher insurance rates through high-risk auto insurance. You may have trouble qualifying for insurance in some cases, but some companies will offer special plans for people with poor driving records. Over time, it may be possible to improve your driving record and qualify for lower rates. 

How Can High-Risks Driver Lower Their Rates?

While it can take time to shed your high-risk label, the effort will be worth it for your auto insurance rates. There’s no perfect formula to lower your rate, but you can start by improving your driving and avoiding further violations. You might do this by taking a defensive driving course, being more careful on the road, and obeying all traffic laws. It may also be helpful to drive a car in better condition or one with safety features. If you’re unsure how to lower your rates, talk to your insurance company about your options. 

If you’re looking for quality auto insurance, the team at America’s Favorite Insurance & Tax in San Antonio, TX can help you find the right policy for your driving record. They can ensure that your needs are covered, as they offer a variety of insurance providers. In addition to insurance assistance, they also specialize in tax services. Whether you want to maximize your return or organize taxes for your new business, their team of professionals will make the process as simple as possible. Visit them online to view a full list of their services. You can also call (972) 662-8221 to set up an appointment.