{"id":1116,"date":"2023-12-04T21:00:00","date_gmt":"2023-12-04T21:00:00","guid":{"rendered":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/?p=1116"},"modified":"2023-11-30T21:01:19","modified_gmt":"2023-11-30T21:01:19","slug":"what-is-high-risk-car-insurance","status":"publish","type":"post","link":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/insurance-facts\/what-is-high-risk-car-insurance\/","title":{"rendered":"What Is High-Risk Auto Insurance?\u00a0"},"content":{"rendered":"
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It\u2019s well known that insurance companies assess a variety of risk factors when determining policy rates for drivers. Some drivers who have multiple risk factors may end up having higher rates as a result. If you\u2019re curious about how your driving record and other factors can influence your policy, it\u2019s helpful to explore the basics of <\/span>car insurance for high-risk drivers<\/span><\/a>. Understanding your own risk level can help you find the right coverage and ways to potentially lower your rates in the future.<\/span>\u00a0<\/span><\/p>\n

What Is a High-Risk Car Insurance Policy?<\/span><\/b>\u00a0<\/span><\/h2>\n

High-risk car insurance is a blanket term that describes insurance policies for drivers insurance companies think are more likely to get into an accident or make a claim. A high-risk policy will provide you with the same coverage as other policies, but you\u2019ll pay a higher premium because of your perceived increased likelihood of making a claim. Insurers may not have a specific policy for high-risk drivers and may instead consider all your risk factors as a whole.<\/span>\u00a0<\/span><\/p>\n

Who Needs High-Risk Auto Insurance? A Look into the Criteria<\/span><\/b>\u00a0<\/span><\/h2>\n

People who have significant violations on their driving records are the typical candidates for high-risk auto insurance. However, multiple factors influence your risk level as a driver and insurance policyholder. Car insurance companies typically look at your different characteristics and calculate your premium costs. There isn\u2019t a specific cutoff that defines someone as a high-risk driver.<\/span>\u00a0<\/span><\/p>\n <\/div>\r\n <\/div>\r\n <\/div>\r\n<\/div>\n\n

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