Before we start dwelling on the subject of how to get high risk auto insurance, we need to first find out how to classify a high risk driver.
A high risk driver is considered to be a higher economic burden to the insurance company. This is because this drivers driving record would be tainted. The state department of motor vehicles in every state maintains a constant record of all the traffic accidents and citations that the said driver has received.
Once a record is made the driver cannot do anything to expunge it from the record. It will stay with you for life and whenever you go out to change or renew your policy, you will have to explain this one recording. And your rates will be marginally increased in order to compensate for the added risk that the auto insurance company is taking by insuring you. Because they are under the impression that since you have got a citation or been involved in an accident once, you are going to be more susceptible to be involved in one again.
You can get a traffic citation for anything from speeding to parking in a no parking zone to even driving under the influence. But the level of the offense will vary. For example driving under the influence of alcohol is a felony in almost all the states in the United States of America. And it can get you jail time. But parking in a no parking zone is just a fine and a citation. But in any case, a record will be made by the state department of motor vehicles for any traffic infraction.
If you do end up with a bad record, there are still a number of things that you can do to keep your rates down. There is no need to lose hope. You will first need to make sure that you do not get into any further trouble with the law. The longer you stay clean the lesser affect the record is going to have on your auto insurance policy.
The next thing to do is to join a defensive driving course. This is a course which is for advanced drivers. These are for people who know the basics of driving but need to polish their skills. It will begin with a refresher course for the rules and regulations of the road. And then they will move into teaching how to avoid getting into an accident like situation. Prevention is the best cure is what you will be learning in this course. And besides learning how to drive well, you will also be conveying a subtle message to the insurance company that you are serious about safe driving.
You can also try to reduce your rates by showing that you are being responsible in your other walks of life. You can show your good credit history. You can also show an untainted criminal record. This can also go a long way in showing that you are not bound to do anything illegal. If you do get caught for DUI, you might have to enroll in an alcoholic’s anonymous chapter in your neighborhood or go to rehab if you are into narcotics.
You need to know that the day you get a sentence on your record, you are tainted for life. You will have to work hard on passing it away for the rest of your life. If you do not remain proactive in order to get it out of the way, you will continuously be tormented due to that one marking.