High-Risk Auto Insurance

Did you know that most auto insurance companies consider high-risk drivers to be those who have experienced a lapse in coverage or a violation of their driving record within the past three years? 
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Not only are these drivers considered a higher risk, but they're also given higher rates than average motorists. If you fall into either category, then it's time to research high-risk auto insurance policies.

What is risky in an auto insurance sense?
A High-Risk Driver is a driver with past or current incidents on their record that may indicate a greater risk for future accidents. 

The driving record of every driver is evaluated by insurers when determining whether to issue auto insurance coverage, and it impacts rates accordingly. 

You should get auto insurance if you are high risk, but you will pay more than someone who is not high risk.

How to tell if you are a high-risk driver?
A high-risk driver is typically an individual who consistently breaks traffic laws. A person with many speeding tickets or other violations on their record may be considered a high-risk driver.

So are seen as more likely to get into another accident, again leading to higher premiums for that policyholder.

Tips on how to lower your insurance premiums

1. Drive safely
   Age may be a factor in premium costs; younger individuals are generally perceived as being at higher risk because they tend to drive more aggressively, sometimes under the influence of alcohol or drugs. 
   
   
2. Have your vehicle appraised  
   If you want to lower your auto insurance premiums, consider having an independent appraiser inspect your vehicle and give you a valuation. 
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3. Carry comprehensive and collision insurance  
   Comprehensive and collision are two coverages offered by most auto insurance companies. Carrying both can help protect you financially if your car is damaged or destroyed due to an accident.

Final Thoughts
If you're in an at-fault accident, have a moving violation on your record, or are classified as high risk because of certain factors.

Depending on where you live, you may get unique coverage options like uninsured/underinsured motorist protection, medical payments coverage, and personal injury protection.

At Rollo insurance, we do our best to ensure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (512) 894-9742 or Click Here to request a free quote. Coverage discussed in this article is not guaranteed. Please contact our agency to go over your existing coverage. We are happy to help you make sure your needs are being met!