Common Reasons Drivers Are Considered High-risk

Understanding why some drivers are labeled as “high-risk” is important for anyone navigating Alabama’s auto insurance landscape. At Freedom Auto Insurance, we know that being classified as high-risk can impact your insurance options and rates. Our team is here to help drivers understand these factors and find coverage that fits their needs, even if their driving history isn’t perfect.

What Makes a Driver High-risk?

Insurance companies use several criteria to determine if a driver is high-risk. In such cases, you may need to shop for a nonstandard auto insurance policy. In general, common reasons for having to find such coverage can include:

• Repeated speeding tickets, running red lights or other moving violations signal risky driving behavior.
• If you’ve caused one or more accidents, insurers may see you as more likely to file future claims.
• Driving under the influence is a serious offense that almost always results in high-risk status.
• Gaps in your auto insurance history can raise red flags for insurers.
• Having a poor credit score can also influence your insurance rates; lower scores may contribute to a high-risk classification.
• New drivers, especially teens, are often considered higher risk due to limited experience behind the wheel.

How High-risk Status Affects Your Insurance

Being labeled high-risk can lead to higher insurance premiums or limited coverage options. Some drivers may need to seek nonstandard auto insurance, which is designed for those who don’t qualify for standard policies due to their risk profile.

How We Help High-risk Drivers in Alabama

Our team at Freedom Auto Insurance specializes in helping drivers in Albertville, AL find auto insurance solutions, no matter their driving history. We work with a range of carriers to offer nonstandard auto insurance and guide our clients through the process.

If you’re concerned about your insurance rates or have questions about high-risk driver status, we’re here to help. Contact us today to discuss your situation and explore coverage options tailored to your needs.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.