Insurance violations and other violations on your driving record can make you a high risk to insure, and you may have a hard time finding cheap car insurance.
What is High-Risk Auto Insurance?
Many people have accidents and traffic violations on their driving records. These drivers are placed with “Non-Standard” insurance – also called high-risk insurance. This is an auto insurance policy that is assigned to a high-risk driver – which means you will pay higher car insurance rates.
Some auto insurance companies only insure drivers with perfect driving records, but there are other companies that offer high-risk insurance. And if you’ve had your license suspended or revoked and need an SR-22 policy to get your license back, you’ll want to shop around to find the best rate with a reliable company. The question is, how do you know if you’re getting the best deal out there?
That’s why you need to call USAgencies – we are the industry leader in Non-Standard insurance. We do all the research to ensure you’ll find the right policy that works for you and your budget. For fast, cheap, no hassle insurance choices, we are your one-stop shop for the best auto insurance available at the lowest price.
What is an SR-22?
An SR-22 is not an insurance policy; it’s just a financial responsibility form proving that you have insurance coverage. Your insurance company files the SR-22 with your state and certifies that you carry the minimum liability coverage on your car insurance policy. If you do not own a motor vehicle, you must buy “non-owners” liability coverage. If you don’t have insurance now, you may lose your driving privileges. Your state’s Department of Motor Vehicles will notify you if you need an SR-22 policy.
Your driving record will determine if you need high-risk car insurance. For example, if you have several speeding tickets or you’ve been convicted of driving under the influence of drugs or alcohol, you may be placed in a high-risk category, requiring special high-risk auto insurance. Your recent driving record history is the most important factor taken into account. Any accidents or tickets you’ve had in the last 12 months will count more than an incident from several years ago. This can make it tough for you to find affordable auto insurance, since many insurance companies won’t take the risk.
What if you are in a high-risk group for car insurance?
So what can you do if you’re in a high-risk group for car insurance?
First, get a free online car insurance quote to get an idea of what your premium might be, based on your driving record and other factors. Even if you need high-risk auto insurance or are looking for cheap teen car insurance, here are some things you can do that may lower your cost:
- Take a defensive driving course. Check with an Agent for approved courses.
- Trade in your car for a model with a better safety record or more safety features.
- Follow all traffic laws. Going three years without a ticket may result in a decrease in your rate.
- Drive defensively. Good discounts are available if you can stay accident-free for three years.
- Call USAgencies.
Talk to an agent or get a free online car insurance quote to find out what USAgencies can do for you – we’re the industry leader in Non-Standard insurance. We work with the established, major low-cost insurance companies so you can compare multiple quotes to find the right policy for you at the best price. We do all the research to ensure you’ll find the right policy that works for you and your budget. For fast, no hassle insurance choices, we are your one-stop shop for the best auto insurance available at the lowest price.