Key points:
- “High-risk” drivers generally include those with a history of traffic violations, an SR-22 or FR-44 requirement, a lapse in their coverage, or inexperienced drivers.
- If you’re a high-risk driver, you may have challenges getting car insurance.
- Infinity Insurance Agency, Inc. (IIA) works with carriers that can provide policies to high-risk drivers. Our Spanish-bilingual agents can guide you through the process and help you find lower rates.
- Tips to lower your rates in the future include maintaining a clean driving record, taking a defensive driver course, and maintaining continuous coverage.
Drivers with less-than-perfect driving records can still find affordable options for high-risk auto insurance with an agency like Infinity Insurance Agency, Inc. (IIA). Generally, insurance companies consider individuals with a high probability of accidents or claims as “high-risk” or “non-standard.” But that doesn’t mean that you can’t find coverage and legally get back on the road.
IIA works with carriers that offer affordable car insurance for high-risk drivers as well as qualifying discounts that could help you save.
See if you could find a lower rate by calling us at 1-855-478-3705 or getting a free online quote.
What makes driver “high-risk”?
Insurance companies will typically assess several factors to determine if a driver is high-risk. However, it is important to note that each insurer has different criteria for what risks are deemed “high.” Common reasons drivers may be classified as high-risk include:
- A history of multiple traffic violations, accidents, or citations
- Having an SR-22 requirement
- A DUI/DWI conviction
- Reckless driving charges or multiple speeding tickets
- Lack of driving experience
- Poor credit history
- A lapse in auto insurance coverage
- Driving a high-performance or exotic vehicle
How pricing works
If you fall under one of these categories, don’t fret. There are other factors that affect high-risk car insurance rates. To determine your premiums, insurance carriers also consider:
- Your location
- Your age
- What type of vehicle you drive and your average mileage
- The types of coverage you choose
While being labeled a high-risk or non-standard driver can be distressing, this distinction will not last forever. Generally, insurance companies wait a few years before removing your “high-risk” status. Minor infractions may impact your rates for 3 to 5 years, and major infractions could apply for longer.
Drivers looking for “bad driving record insurance” still have options. IIA offers Spanish-bilingual service and guidance, so you can compare rates and find an option that works for you. We’ve worked with high-risk drivers and those with less-than-perfect driving records to help them find coverage, all with friendly service.
How to lower costs
If you’re wondering how to find cheap car insurance for high-risk drivers, these tips may help:
- Shop around: Compare quotes from different companies, including those that specialize in non-standard auto insurance.
- Choose a deductible that works for you: Usually, premiums are lower with higher deductibles (for coverages where deductibles apply). Just make sure to make it part of your budget in case of a covered loss.
- Remove non-essential add-ons: Ask an insurance agent to guide you through which coverage you may need and which are optional. IIA offers Spanish-bilingual help with licensed agents.
- Ask about available discounts: These include lower rates for enrolling in safe-driving programs, using telematics to share your driving habits, paying for your policy in full, maintaining continuous coverage, or bundling multiple vehicles.
SR-22, FR-44, and non-owner insurance
Some drivers may be required to get SR-22 or FR-44 insurance. Commonly known as “insurance,” these are certificates showing that you carry the minimum required vehicle coverage in your state.
To help you get back on the road safely, IIA offers these services:
- SR-22 filing services
- FR-44 filing services
- Insurance options for non-owners (these are drivers who don’t have a vehicle, but are required to get coverage or an SR-22)
Get started finding a policy that fits your needs. Call IIA at 1-855-478-3705 to speak with a Spanish-bilingual agent or get a free car insurance quote online.
Coverage choices
A car insurance policy may include these types of coverage:
- Liability coverage: It helps pay for damages you cause to third parties. It’s required in most states.
- Collision coverage: It helps pay for your vehicle repairs after a covered traffic accident, regardless of fault.
- Comprehensive coverage: It helps pay for your vehicle repairs after covered events like vehicle theft, vandalism, fires, or extreme weather.
- Rental reimbursement coverage: If your car is under repair after a covered loss, this coverage can help pay for a rental vehicle.
- Roadside assistance: Provides emergency roadside services such as towing services, blown tires, vehicle lockout assistance, etc.
An IIA agent can help you understand if a policy with the state minimum works for you or whether you may need more extensive coverage.
What to have ready for a quote
Our Spanish-bilingual team is ready to answer your car insurance questions and help you find affordable coverage. Get a quote from multiple leading carriers by following these steps:
- Provide basic driver and vehicle information
- Choose the types of coverage that fit your needs
- Get a free quote
- If you are ready to purchase coverage, you can get same-day insurance ID cards and SR-22 certificates (once you purchase coverage)
To buy a policy, you may need to share the driver’s details and ID, vehicle information, choose coverage types and limits, and submit a form of payment.
Feel free to call IIA for more information at 1-855-478-3705.
Frequently asked questions about affordable car insurance for high-risk drivers
Can I get insured after a DUI/suspension?
Infinity Insurance Agency works with insurance carriers who can provide policies to high-risk drivers. One of our Spanish-bilingual agents can help you discover your options today.
How fast can I get proof/ID cards?
You can get same-day digital insurance ID cards or SR-22 certificates after you have purchased coverage and your policy is active.
Do I need an SR-22, and how is it filed?
Generally, a formal DMV or court notice lets a driver know they need an SR-22 certificate. Drivers need to file for one through an insurance carrier. IIA can help you start the filing process.
Can I buy insurance if I don’t own a car (non-owner)?
Yes. IIA works with insurers that offer policies for drivers who don’t have their own vehicle.
Start your high-risk auto insurance quote today. Call IIA at 1-855-478-3705 to find an affordable option. We offer Spanish-bilingual assistance and friendly, professional service.