Auto Insurance for a Bad Driving Record

With a history of accidents, traffic violations or other infractions, many drivers find themselves labeled as high-risk by insurance companies. Arizona requires drivers to prove they can pay for third-party property damage and injuries they may cause while driving. Most do this by purchasing auto liability insurance that meets the state’s minimum coverage requirements.

Insurers use your driving record to help determine your car insurance premiums. If you have a less-than-perfect record, you’ll typically pay more for auto insurance to help balance the increased risk of future claims.

Common factors include at-fault accidents, speeding tickets, DUI convictions, and license suspensions. Each of these incidents can have a significant impact on your insurance premiums and eligibility for coverage.

High-Risk Auto Insurance 

For drivers with a challenging record, high-risk insurance, also known as non-standard insurance, may be the only option. These policies are specifically designed for individuals who may not qualify for standard coverage due to their driving history. While premiums are typically higher, high-risk insurance can ensure you meet the legal requirements for vehicle coverage.

SR-22 Insurance

In some cases, drivers with DUI convictions or multiple at-fault accidents may be required to file an SR-22 form. This document serves as proof of financial responsibility and is filed with the state’s Department of Transportation. SR-22 filing is often necessary for reinstating a suspended or revoked license.

How to Get Favorable Car Insurance Rates

Certain insurers specialize in providing coverage to high-risk drivers. These companies understand an individual’s unique challenges with a problematic driving record and may offer more tailored solutions. While premiums may still be higher than standard insurance, specialized insurers may be more lenient regarding certain infractions.

Despite being labeled as high-risk, finding affordable insurance coverage is still possible. While premiums may be higher than average, different insurers weigh risk factors differently, so it’s worth exploring your options with help from a Fast Insurance agent.

While obtaining insurance with a challenging driving record may be necessary in the short term, there are steps you can take to improve your record over time. Practicing safe driving and attending defensive driving courses can contribute to a positive change in your driving habits and your insurance premiums.

Contact Us

Contact Fast Insurance in Chandler, Arizona, for appropriate high-risk car insurance coverage.

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.