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<\/a><\/p>\nThere\u2019s a reason why they call it \u201cpreferred\u201d. This is the tier where you want to be. If you\u2019re labeled a preferred-risk, you\u2019re considered by insurers to have the lowest probability of being involved in a crash and, therefore, pay the lowest rates. The bad news is \u2013 most drivers don\u2019t qualify for this category. But, by keeping a squeaky clean driving record for a long period of time, you could just make it.<\/p>\n
Standard-risk<\/strong> High-risk<\/strong> What in the world did you do to be label a High-Risk driver?<\/strong> No, this isn\u2019t a loaded question. You probably already know what you did wrong, but insurance companies don\u2019t just use your lousy driving record, which may include a series of collisions and numerous moving violations, to place you in the high-risk tier. Get canceled by your carrier and things get even uglier.<\/p>\n While it\u2019s unlawful for auto insurance companies to discriminate by increasing rates due to race or religion, combine your driving record with statistical information, such as geographical location, age (especially if a teenager), gender, marital status, past history of paying premiums on time and you may find yourself in the bottom rung.<\/p>\n To be more specific, below are various ways you can make the dreaded high-risk category:<\/p>\n \u2022 Drivers with one or more costly collisions As bad as it may seem, there is some good news if you find yourself wearing the high-risk label. Although your search for new auto coverage may be more challenging, it\u2019s not entirely impossible to get insured. In fact, some auto insurance companies offer affordable policies to drivers with less than desirable driving records.<\/p>\n Furthermore, you can take charge of your driving record by improving your driving habits, staying out of trouble by not drinking and driving, obeying speed limits, and making sure to stay within other traffic laws. Any major infraction that costs you negative points on your driving record will only be on there for seven years.<\/p>\n Behave yourself for those seven years and you get to start all over with a clean driving record. It\u2019s up to you.<\/p>\n USAgencies specializes in providing affordable high-risk car insurance so we can help you if you are a high-risk driver. Call (800) 420-3712\u00a0<\/strong>to speak with a live agent to get a free, high-risk driver quote. You can even begin coverage today. Don’t have time to call? Get your free car insurance quote online<\/a>.\u00a0<\/em><\/p>\n","protected":false},"excerpt":{"rendered":" When it comes to car insurance you don\u2019t want your insurance company to consider you a high-risk driver \u2013 making you a liability. Get pinned with that label and you can expect to be rewarded with rates that are much higher than the average motorist. Or, if you get canceled, auto insurance could be more […]<\/p>\n","protected":false},"author":2,"featured_media":2432,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[14,19],"tags":[15,79],"class_list":["post-2429","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto-insurance","category-auto-insurance-rates","tag-car-insurance","tag-high-risk-driver"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/posts\/2429"}],"collection":[{"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/comments?post=2429"}],"version-history":[{"count":2,"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/posts\/2429\/revisions"}],"predecessor-version":[{"id":3288,"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/posts\/2429\/revisions\/3288"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/media\/2432"}],"wp:attachment":[{"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/media?parent=2429"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/categories?post=2429"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/tags?post=2429"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
\nIf you fall short of preferred-driver status, you\u2019ll more than likely be in the standard-risk category along with the rest of us. To be in this tier you may have been involved in a couple of accidents, had a few traffic tickets or filed several claims under the comprehensive insurance portion of your policy over your lifetime. While your rates won\u2019t be as low as preferred-risk, keeping moving violations to a minimum and avoiding preventable collisions will keep your rates somewhat affordable.<\/p>\n
\nOf the three tiers, this is the one you want to avoid completely. Not only will you be paying more than any other driver for your auto insurance but, get canceled and you may have a tough time finding any of the major insurers to take you on. After all, you\u2019re now classified as a high-risk driver.<\/p>\n
\n<\/a><\/p>\n
\n\u2022 Drivers with numerous traffic violations for speeding, running red lights or other citations
\n\u2022 Drivers with DUI convictions
\n\u2022 Drivers who have previously had their insurance policy canceled
\n\u2022 Drivers between 16 and 25 years of age
\n\u2022 Drivers with bad credit<\/p>\n