Get Fast Free Quotes Get A Free Quote

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.

Share |

No Comments

Post a Comment
Required (Not Displayed)

All comments are moderated and stripped of HTML.
Submission Validation
Change the CAPTCHA codeSpeak the CAPTCHA code
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive

View Mobile Version
Home  |  Get An Auto Quote  |   Blog  |   About Us  |   Contact Us
9428 St. Charles Rock Rd – St Louis, MO 63114 - 800-287-3939
Home Page RSS Facebook Twitter