Each time you get behind the wheel, your driving habits can make or break you. Car insurance companies will review them when determining rates and whether to provide coverage at all. A high-risk driver gets that title based on several factors. The good news is there are steps you can take to stay out of this club.

What Is a High-Risk Driver?

If you’ve been charged with a major traffic violation, it could put you in the high-risk driver category. A DUI, an accident you caused, and numerous tickets are a few examples. Even if you’ve been involved in accidents that were not your fault, car insurance providers may still consider you high-risk.

New and teen drivers are also considered risky to insure because they are more prone to be in or the cause of accidents. Another high-risk driver category is individuals who have let their insurance lapsed or never had coverage. 

What Problems Can Occur?

The biggest challenge for high-risk drivers is getting car insurance. Some providers may not want to take a chance of providing them with coverage. If insurance is available, the rates are likely to be significantly higher compared to someone who is not considered high-risk.

In most states, drivers are required to show proof of insurance before they can register their vehicles or even receive a driver’s license. Without coverage, it will be illegal to drive, and a high-risk individual could face additional penalties.

How Can You Avoid Being High-Risk?

Obeying all traffic laws, not speeding, and not drinking and driving are a few ways to stay out of the high-risk category. Younger and new drivers should also maintain a good driving record. To help ensure car insurance companies will provide coverage, make on-time payments, and never let your policy lapse. Enroll in and pass safety and defensive driving courses as proof that you take driving very seriously. 

Charles Adams Insurance Agency in Ashland, KY, understands the consequences of being a high-risk driver. While the firm takes a proactive approach to help clients avoid the category, the team of agents will work with those who have experienced infractions. As an independent agency, they can shop for rates and terms for their network of car insurance partners. For details, call (606) 325-9709. Visit the website for details on the full suite of services.