Being considered a high-risk driver can present challenges when it comes to finding affordable auto insurance. If providers view you as a greater liability, your premiums will be set accordingly. Also, in some cases, you may be required to obtain special coverage or have to provide additional proof of financial responsibility. If you have any traffic violations on your record, here’s what you should know about this topic.

What Does It Mean to Be Labeled as High-Risk?

Insurance companies typically classify you as a high-risk driver because of driving violations. This may include more than one at-fault accident on your record, several traffic citations within a short period, driving on a suspended license or without auto insurance, reckless driving, or drunk driving (DUI) convictions.

Any of these behaviors, especially a DUI, can raise your premiums. In Wisconsin, a DUI will stay on your driving record for 10 years and put six points on your license. 

How Can You Secure Auto Insurance Coverage?

To continue operating a vehicle legally, you may need to purchase non-standard auto insurance and/or file an SR-22.

Non-standard policies include standard coverage, but are more expensive. The SR-22, on the other hand, is a certificate proving you’ve met the state’s minimum requirements for liability coverage. This is generally required to reinstate a license after getting a DUI or another traffic violation. Your insurer must file this form with the Department of Motor Vehicles (DMV) on your behalf, and you’ll need to carry it for three years.

How Can You Reduce Premiums?

Fortunately, even if you’re subject to higher rates, there are steps you can take to reduce your coverage costs. Many insurers offer discounts for enrolling in a driver’s safety course, bundling policies, and maintaining a positive credit score.

Lowering your annual mileage can also help you save, as well as driving a safe and reliable vehicle rather than a sports car. It’s also important to avoid accidents and tickets to ensure your high-risk label disappears after the allotted period.

If you’ve been classified as a high-risk driver and need help securing reasonably priced auto insurance, turn to Edwards Insurance Agency in Sparta, WI. As an independent agency, they’re able to compare policies from multiple providers to find you quality coverage at the best rate. They will also file an SR-22 for you. Call (608) 269-4512 to request a quote, or visit them online for more information on their auto products.