High Risk Automobile

Drivers who have a poor driving record which could include demerit points for numerous tickets or convictions, major or criminal convictions, multiple accidents or lack of insurance history may be regarded by insurance companies as high risk.

There are certain classes of insurance which are considered high risk. Examples would include long haul truckers without previous experience, hauling sand or gravel, hauling explosives or radioactive materials or hazardous goods.

There are insurance companies that specialize in drivers who are high risk. The premiums are usually higher and deductible options may be limited. This is when you need to shop your markets to find the best rates possible.

Talk to your agent or broker about how to handle your need for automobile insurance.