Finding a High Risk Auto Insurance Company

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Have you asked yourself what a high risk auto insurance company is? A high risk auto insurance company is one that offers the type of insurance required for all drivers who have violations on their driving record, as a result of driving under the influence of a controlled substance, having a car accident while having no insurance coverage, or an accumulation of minor violations, such as parking tickets or unpaid fines.

Why does the state require some people to be sheltered by a high risk auto insurance company? A person is considered a higher risk to other drivers on the road, as well as themselves as a result of outstanding violations such as drunk driving, multiple violations for the same infraction, or an accumulation of parking violations. They are then required to go through a probation period after they get their license reinstated; period in which they are required to have high risk auto insurance for a minimum of two or three years, depending on the state, without further infractions.

If your license has been revoked, you will most probably need this type of insurance. You will have received a letter in the mail from the state detailing the reason for the suspension and any fines or jail time that you will be required to pay. Even if this is the normal proceeding, you may be unsure as to whether or not you are in this category. If this is the case, it is advisable to get a copy of your driving record. In order to get a copy of your driving record, go to the local Secretary of State office to request the proper forms to obtain your record. To find the nearest Secretary of state office location, call 1-800-252-8980, then while in the automated system press 0 to be connected to an operator. With your zip code, you will be given the nearest location. At the Secretary of State office you will have to request a Driving Record Abstract request form, a DSD DC-164 form.

If you do require high risk insurance, you may want to speak to your current insurance provider to see if they are a high risk auto insurance company. If they are not or if you have no insurance provider there is a couple of websites can do the comparing for you among different providers classified as high risk auto insurance companies. Some websites has a complete list of insurance providers that offer sr22 insurance.

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