All Posts tagged DWI

Who Needs High Risk Auto Insurance?

Who Needs High Risk Auto Insurance?

High Risk Insurance Basics

Most people on the road, especially if they have been driving for a long time, have had some type of ticket. However, there are also those drivers who have had multiple or more serious tickets, which can lead to very high insurance rates. High-risk insurance, also known as non-standard insurance, is meant to provide coverage for those drivers who have had multiple run-ins with the law.

There are many situations in which you can be considered a high-risk driver to your auto insurance carrier, including:

  • If your license has been revoked or suspended and you require an SR-22 in order to reinstate it. If you need an SR-22 to get back on the road, the Registry of Motor Vehicles will notify you.
  • If you are 70 years old or older. Some insurance companies will view entering into your golden years as also making you a high-risk driver.
  • If you are 20 years old or younger. Statistics have shown that people who are 20 years old or younger are more likely to get a traffic ticket or be involved in an accident, making you a much higher risk to your insurance company.
  • If you have a past history of violations or auto accidents. The more points you have on your record due to past tickets or accidents can cause higher rates for your auto insurance.
  • If you have been convicted of a DUI or DWI. Being convicted of a DUI or DWI can lead to serious hikes on your auto insurance, while also qualifying you for high-risk insurance.

For all of your auto insurance needs and to ensure that you are properly protected while on the road, contact the insurance experts at the Insurance Agency of Dean Davis in Austin, Texas. We will work with you, no matter your past driving record to ensure that you have the right amount of coverage.