High risk auto insurance is a form of coverage that is meant to apply to people who are considered to be non-insurable. These kinds of drivers are those who are having a hard time getting car insurance because of their driving history or because of how they are assessed.
These drivers include those who have had bad driving records, either by getting pulled over by the cops more than once for traffic violations or by getting into road accidents more than once. Teenagers are also considered as being risky because of their inexperience in driving conditions, especially during hazardous conditions. First time drivers are also considered to be in the same league as teenagers. Those who own high-end cars and sports car enthusiasts are deemed risky because of a high probability that their vehicles would get stolen or chopped. This is even made worse if an owner lives in an area where there is a high rate of crime.
It has been settled that you are a non-insurable driver. Insurers will not cover you because you will be more of a liability than a source of profit. However, you can still get insured by taking a high risk auto insurance. This type of insurance is not offered by all providers. Often, you will have to negotiate with providers to be granted one, subject of course to certain terms and conditions. Some of these under a high risk auto insurance are payment of higher premium rates, obligation to comply with traffic rules and regulation, an agreement that should the accident be the fault of the insured, no amount will be paid, an acceleration clause in the contract, and such others.
If you are a risky driver, the best way to get insured to lessen the risk involved with you is by getting a clean slate on your driving history and by paying all your traffic tickets, citations and fines. From then on, you must maintain a good record. Switch to a lower priced car. This will lessen the risk of theft. Behave on the road. Drive with a cool head so that when things get tough, you will not end up getting into an accident.
If you can, get high risk auto insurance from your dealer or from companies recommended by your insurance agent or by the seller. This is because they already know the capabilities and condition of the car, saving a lot of time and money having it appraised and evaluated. This does not mean that you can never get insured. Just obey the laws and keep a cool head when you are on the road.