he feeling is indeed disconcerting when an insurance firm declares you as a high-risk driver. You may think that this is a complement to boldness on the road, but it actually means the price that will be paid for an insurance premium. Your nerve may awe others, but for many motorists, you are simply a threat to them and to yourself. Companies providing coverage will certainly not be considerate with such a case, foreseeing more payouts in the future for self-induced accidents by a car-owner. Instead, they would give you a pricey high risk auto insurance.
Coverage providers can be very meticulous in checking the background of someone who is applying for car insurance. If you have a driving record that is marred by accidents and arrests, they will certainly find out. They have all the means in connecting with various agencies involved with traffic law enforcement and the DMV to find out about records of both the car and driver. The system is computerized and nearly foolproof. Therefore, you cannot create fiction out of your driving history once they ask about it. They will certainly know the truth later on.
The best thing to do is to avoid all instances that can tarnish your driving reputation. Through this, you will be kept away from harm and you will not have high risk auto insurance. Two things must be remembered in this regard. One, is to learn to drive defensively. Two, is to avoid committing traffic and driving violations. Think of it this way. The more traffic violation tickets and accidents charged under your name, the higher risk you pose. In worst circumstances, it can only be expected that an insurance firm will grant you no less than high risk auto insurance.
Aside from the track record in driving, another basis for being declared as high risk is the kind of car being driven. If it is a sports car concerned, premium rates can go up. Of course, it is not just to correspond with its value. A sports car can be too fast just by lightly stepping on the gas. The idea alone of the kind if machine a driver is driving can tempt him to raise his speed in the highway. Therefore, this car can indeed be hazardous on the road. If you own one, expect premium rates to shoot up too.
Those are just several of the main reasons why providers would give you a high risk auto insurance rate. Obviously, these can be avoided if you just focus on being a safe and responsible driver always.