Being considered a high-risk driver will have an impact on your car insurance rates, which is why it’s important for motorists to understand this designation. A person may be labeled as a high-risk driver for all sorts of reasons, as illustrated below. Regardless of your past driving record, taking the right steps to drive safely and conscientiously in the future can help keep insurance rates manageable. 

Traffic Violations

Traffic violations can be minor or serious. A minor violation might include speeding or being involved in a small fender bender. While a single minor violation won’t have too much of an impact on car insurance, multiple violations will.

A serious violation could entail reckless driving or causing an accident involving extensive property damage and injuries. In both cases, car insurance rates will increase. The duration of this increase varies, but it can be as long as five years, depending on the insurance agency. 

Driving Under the Influence (DUI)

DUIs are considered extremely serious. Along with incurring stiff legal penalties and fines, drivers will also be subject to higher car insurance costs.

In fact, some insurance companies may even choose to drop motorists convicted of a DUI. In this case, it may be necessary to obtain financial responsibility insurance certificate, also known as an SR-22 insurance form. 

Being a New Driver

New drivers are privy to higher insurance rates. This is because new drivers are assumed to lack the same level of knowledge as a person who’s been on the road for many years. The longer you drive, the more manageable your car insurance rates will become. During this time, make sure you’re following the rules of the road to avoid accidents and traffic violations, which will make your auto insurance rates increase further. 

No matter your driving status, working with a dependable insurance agency ensures you have the coverage you need. In High Point, NC, Dewey Beckner: Allstate Insurance takes the time to get to know clients. With more than 20 years of experience, Dewey Becker knows how to find the right policies to suit your budget and lifestyle. He can also help you achieve your financial goals, whether you're planning for retirement or creating a college fund for your child. Visit his website or call (336) 884-5636 for more information.