Insurance companies usually catagorize “high risk” drivers as those who are hazardous to insure due to their inexperience, poor driving record, or even their credit history.
When you engage in risky behavior on the road and end up by getting cited for Speeding, DUI, or worse, terrible life changing situations begin. After paying expensive fines and maybe having your license suspended, your insurance rate will increase or even get cancelled and you might then lose your job.
Insurance companies look at your driving record and by that they determine what your risk is and set your premium. It usually takes 3 years to clear your driving record and for your rates to return to normal. As expensive as a high risk policy is getting back on the road is important to support oneself and family and to live a normal life.
- Consult with an independent insurance agency – like us! Unlike “captive” agents who represent only one company, independent insurance agents and brokers are licensed insurance professionals who represent several companies. They can offer you a variety of coverages, review and evaluate your policies, suggest new coverage options that meet your changing needs and answer your questions.