car insurance for high-risk drivers

Why Do I Need Car Insurance for High Risk Drivers?

It might have happened to you that you’ve been trying to get your car insurance and were told that a regular plan would not work for you. They might tell you that, instead, you need to get car insurance for high-risk drivers. Let’s go over what that entails.

car insurance for high-risk drivers

What Are High-Risk Drivers?

The phrase “high-risk driver” might evoke the idea of someone who might be dangerous to have on the road, meaning they might require higher insurance rates so that insurers can take on the lien of protecting them. However, it doesn’t have to be so dramatic. It’s simply a specific category of auto insurance. You might need car insurance for high-risk drivers if you:

  • Have had one or more vehicular accidents.
  • Have been convicted of driving under the influence.
  • Have received multiple speed tickets or other traffic citations.
  • Have received your driver’s license very recently.
  • Have a particularly high-value or specialized vehicle.
  • Have been required by the state to fill out an SR-22.
  • Have a bellow average credit history.

What is an SR-22 Certificate?

The SR-22 is a kind of vehicle insurance document that will be required by the Department of Motor Vehicles on certain occasions. This certificate of insurance is a kind of financial responsibility filing that will be necessary for certain drivers that will be considered high risk by the DMV under specific circumstances.  The most common instances tend to be uninsured car accidents and convictions for a traffic-related offense. If you go through a car accident without insurance and then try to get an insurance plan, you are probably already going to be seen as a liability. On the other hand, traffic-related offenses, even if you did have insurance, will call for an SR-22. The most common reason for needing one of these is getting a DUI.

Is Car Insurance for High-Risk Drivers More Expensive?

If you are wondering whether being a high-risk driver means you’ll have to pay more for car insurance, the answer is probably. After all, the insurance companies are taking on the lien of a high-risk driver. However, it doesn’t mean that your insurance will be super expensive. It will simply be a matter of knowing where to look for insurance plans. You can also try to lower your premium but avoiding accidents for three years, taking an approved driving course, or trading your vehicle for a safer one. In the meantime, you can find companies that offer well-priced premiums even if you are a high-risk driver.

Mona’s High-Risk Car Insurance

At Mona’s Insurance, we understand how much money auto insurance can drain from your budget every 6 months. That is why we want to make sure that we are offering the lowest car insurance rates on the market. With our wide array of customizable insurance plans with different options that tailor to your situation, we can provide you with reliable services while being the ideal option for car insurance for high-risk drivers in Los Angeles. If you are curious about a plan for you or would like to learn more about our services, browse through our website, or give us a call at (866) 794-1990. 

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