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Car AccidentInsurance companies have a lot of complex responsibilities. They design specific policies for policyholders, by deciding the risk of a potential policyholder, establishing effective rates that are affordable while trying to earn a profit, all while meeting their claim obligations to their customers.

Although you may think there is no room for high-risk drivers in the above equation, an experienced agent actually wants to help find you find insurance that will make it possible to submit your SR-22. 

Who is High Risk?

There are multiple factors that make someone a high risk driver including the following:

  • Drivers with a history of accidents
  • Drivers with lots of traffic violations
  • Drivers with a suspended license
  • Drivers with DUI or DWI charges
  • Drivers who have repeatedly driven without coverage
  • Elderly drivers
  • Young drivers

 

Qualifying for a Policy

Working with an agent who has multiple carriers, including non-standard carriers, and who knows the underwritings of each, will help you to get a policy as a high-risk driver. These kind of agents will know which insurers are less likely to offer a policy based on your history and, in turn, which are more likely to.

To make the process easier for you agent, be sure to:

  • Share your full driving history.
  • Let them know what you’ve done to become a better driver and prevent further mistakes.
  • Take a driving safety class.
  • Sustain a clean record.

 

Maintain your Insurance Once You Get it

Getting the insurance as a high-risk driver is only half the battle. You need to maintain your insurance so you can keep stay on the road. In order to retain your policy:

  • Pay premiums in full and on time.
  • Send back any bi-annual or annual renewal documents by the deadline.
  • Maintain a clean driving record.

Once you are ready to start exploring your Missouri high-risk auto insurance options, please contact us and we will be glad to help you find the right company and policy for all your non-standard needs.

SR-22 Filings

Your agent can assist you with submitting proof of insurance if you are required to through an SR-22 filing. Call today at (888) 607-6499.

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