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Let's be honest. Some cars and drivers today are simply more likely to get into accidents than others. And the fact that they're high risk is reflected in their car insurance premiums.
Your driving record will determine if you need high risk car insurance. For example, if you've been convicted of driving under the influence (DUI) of drugs or alcohol or have multiple violations such as speeding tickets, you may be considered a high risk driver, requiring special high risk auto insurance.
Recent history is the most important factor. Accidents or tickets in the last 12 months will count more than an incident from five years ago.
First, get a free online auto insurance quote to get a realistic picture of what your cost might be, based on your driving record.
Even if you are considered a high risk driver for auto insurance now, here are some steps you can take that may lower the premiums insurance companies can offer you:
See what discounts are available in your state.
Take advantage of what we've learned! Simple Insights® offers tips from buying and selling a car to auto maintenance and safety.
Today's new cars are packed with safety features. But which are most important?
Avoid dangerous driving situations with these tips.
Find out how your car or truck rates in our annual auto insurance ratings — and how it will affect your premium.
State Farm Fire and Casualty Company