When shopping around for your car insurance, your rates will depend on a variety of factors, from your driving history to the type of vehicle or loan you have. While having too many reports on your driving record could cause you to be labeled as a high-risk driver, there are numerous other elements that influence this decision. To ensure you get the best policy coverage and rates possible, consider reviewing the following reasons you may be labeled high-risk and what you can do about it.

What Causes You To Be High Risk?

High-risk driving is often the result of having multiple tickets or citations on your record, such as going more than 20 miles over the speed limit in a school zone, drunk driving, or an at-fault accident.

There are other, less commonly known reasons you may be a high-risk driver, which typically involves your life experiences. For instance, a teenage driver that gets into just one fender bender may receive high-risk insurance rates because of their age and lack of experience. In turn, an adult with a poor credit score and a higher instance of claims makes them more prone to appear in the at-risk category.

A high-risk driver can face one of three scenarios: being unable to obtain insurance through a preferred carrier, having their car insurance policy canceled altogether, or needing special documentation from the government to even request insurance.

How Can You Lower Your Rates?

While it can be difficult to turn around a high-risk status instantly, there are many steps you can take to start working towards lower rates. For starters, make sure to maintain an insurance policy – lapses can make you look irresponsible.

You can also take steps to become a better driver, such as taking a class that helps you make up for extra points on your license. Also, shop around for new policies starting three to five years after a prior conviction, as this is the length of time accidents or tickets impact your car insurance rates.

If you are struggling to obtain car insurance or simply want a more competitive rate, speak with the team at Hummel Insurance Services in Oakland, IA, about their policies. Founded in 1944, these professionals strive to provide clients with policies that offer complete protection, whether it’s for your home, business, or auto. Learn more about their coverage options by visiting them online or calling 712-482-6424.