A “high-risk” driver is generally defined by the 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.
Alternatives Insurance® Agency was established in St Louis County in the fall of 1992 . Throughout the remainder of 1990's and through the millennium, additional locations were opened in order to service North and West St Louis, Saint Charles and Jefferson Counties. The demand for our products continued to increase motivating the partners of the organization to develop a business model in an effort to continue the growth and success without losing our superior customer service values.