Insurance companies follow strict guidelines to determine which individuals need high risk auto insurance. Risk factors include driving record, credit history, lack of continuous auto insurance coverage, and personal profile. If you are labeled a high risk driver, it will probably mean more expensive insurance premiums and possibly non-renewal or cancellation of your policy. In most cases, insurance companies have up to three years to cancel a policy or raise rates due to high risk behavior.

When rating auto insurance, providers check your driving record for DUI convictions, at-fault or uninsured accidents, and moving violations. Not-at-fault accidents are also considered, since multiple accidents suggest a pattern of reckless driving. Personal data also plays a role in determining the need for high risk coverage. Sex is a factor, with men rated as greater risks than women. Age counts, with teenagers being a greater risk than adults. Your residence location and the type of car you drive may also cause higher premiums.

Proof that you have carried continuous coverage may help you avoid high risk auto insurance. It shows that you have not had a policy canceled by a previous carrier. A low credit score is another problem. Make sure to check your credit report for errors and resolve any disputes. Avoid applying for new credit, since excessive inquiries on your record lower your credit score.

Should you have a need for high risk auto insurance, let Focus Financial Services help you find a policy to meet your needs. Affordable solutions do exist. We work with many major high risk carriers who offer creative options and competitive quotes. Shopping online is an excellent method of securing rate comparisons conveniently and quickly. We make your satisfaction our top priority.