Our auto insurance buying tips for high risk drivers explain how insurance companies categorize someone as “high risk,” which providers will offer you coverage, and how to shop smart for a policy that gets you the protection you need at the best rate. Read on to learn how to navigate your insurance options, how you can expect this category to affect your rates and premiums, and more.

How to Find High Risk Auto Insurance Companies

How to Find High Risk Auto Insurance Companies
By Michelle Burton

If you find yourself in the high risk driver category and your auto insurance company won’t renew your policy, you can look to the non-standard insurance market for help. Before we discuss how to find high risk auto insurance companies, it is important to understand which types of high risk drivers need the most help.

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High Risk Auto Insurance: How do Insurance Companies Define High Risk?

High Risk Auto Insurance: How do Insurance Companies Define High Risk?
By Cameron Jones

Regarding auto insurance, being considered “high risk” can mean different things, depending on the insurance company. In general, high risk pertains to the exposure insurance companies face with certain types of drivers. Considering them to be high risk means, based on claims experience, they’re more likely to have a chargeable accidents and / or moving violations than “clean” drivers and the insurance company will rate them accordingly for this exposure. This typically means higher premiums.

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