A “high-risk” driver is generally defined by the auto insurance companies as someone who has a higher risk of having an auto accident. Auto insurance companies often see high-risk drivers as undesirable, as they may end up costing a great deal in claims.
Why You May Be Defined as a High Risk Driver?
You have multiple accidents or tickets during a specific period of time.
You have a DUI.
You have a serious violation.
Any accident that results in a fatality.
Driving without a license.
Driving without insurance.
You drive an exotic car.
For whatever reason, your auto insurance has lapsed.
How to Get Auto Insurance if You Are Considered High Risk
You may need non-standard insurance.
SR-22 insurance for specific situations.
Allow your agent to shop auto insurance for you.
Determine what auto insurance discounts you may be eligible for.
Improve your driving skills.
Consider a lower risk car.
You work hard to build a future for yourself and your family, and it’s important to protect what you already have while providing for a financially stable future for your family. Whether it’s protecting assets such as your home, automobile and valuables, or insuring that your family is taken care of should something happen to you, the professionals at Leap / Carpenter / Kemps are here to help.
LCK Insurance Agency is one of California's most prominent independent insurance agencies. They offer commercial business insurance, employee benefits, life & health insurance, and personal insurance.
Need more Specific Advice?
Tell us about your exposures, and we'll write an article about how we would mitigate your risk.
Leap | Carpenter | Kemps Insurance Agency provides Commercial Business Insurance, Employee Benefits, Life and Health Insurance, and Personal Insurance to all of California, including Merced, Atwater, Los Banos, Mariposa, Madera, Fresno, Modesto, Turlock, and Stockton.
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