Auto Insurance Options for High-risk Drivers

High-risk auto insurance is designed for drivers that insurers consider more likely to file claims. This category includes individuals with multiple traffic violations, DUI convictions or a history of accidents. Insurance companies assess risk based on various factors, including driving record, age and the type of vehicle driven. As a result, high-risk drivers often face higher premiums and may have fewer choices when it comes to selecting an insurance provider.

Specialized Insurance Providers

Specialized insurance providers can be a valuable resource for high-risk drivers. These companies focus on offering coverage to individuals who may not qualify for standard policies. They understand the unique needs of high-risk drivers and tailor their offerings accordingly.

State-assigned Risk Pools

In some cases, high-risk drivers may be unable to secure coverage through traditional means. State-assigned risk pools can be an alternative option. These pools are designed to provide insurance to drivers denied coverage by standard insurers.

Improving Your Risk Profile

High-risk drivers can take steps to improve their risk profile over time. Individuals can gradually reduce their perceived risk by adopting safer driving habits, attending defensive driving courses and maintaining a clean driving record. This, in turn, can lead to lower premiums and more favorable insurance options. Additionally, some insurance companies offer discounts for drivers who demonstrate a commitment to improving their driving behavior.

Learn More

Contact Harlan Insurance to learn about your auto insurance options. Our team can help evaluate your situation and shop for appropriate coverage at favorable rates.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.