Moving From High-Risk To Standard Car Insurance

When getting auto insurance coverage, insurance companies categorize drivers based on their driving records. You will be classified as a high-risk driver if you have several violations on your driving record. This will prevent you from getting standard car insurance. Fortunately, this high-risk doesn’t last forever: a high-risk driver can purchase standard car insurance again.

How Long Does High-Risk Status Last?

High-risk status can last months or even years, depending on your driving record. Drivers are determined to be high risk if they are:

• Had too many traffic violations
• Convicted of DWI or DUI
• Involved in one or more severe accidents

How Do I Move From High-Risk To Standard Car Insurance?

There are many ways to move to standard car insurance if insurers consider you a high-risk driver, but some may take longer than others. Here are things you can do to move.

• Take a defensive driving course and drive safely.
• Obey all traffic laws to reduce the risk of receiving a ticket.
• Exchange an expensive car for a safer and more insurable model.

With these steps, you may see your auto insurance costs decrease over time. In addition, if you keep your driving record clean for at least three years, you will move to a standard driver.