This Summer, Don't Dive Into the High Risk Pool for Car Insurance

Share Article warns customers to avoid high-risk-pool auto insurance prices through safe driving and comparison shopping.

Although many drivers who are considered by insurers to be "high risk" -- younger drivers, older drivers, drivers with little experience behind the wheel -- are in this category due to unchangeable factors, other motorists can end up in the high-risk pool through bad driving behavior. And if a motorist is perceived to be riskier for an insurer to take on, then that riskier status may negatively influence the availability of affordable premiums.

Motorists deemed riskier as a result of on-the-road behavior generally have accumulated a history of claims, accidents or traffic violations. One or two minor citations may not force a consumer to purchase high risk auto insurance, but if a motorist's number of speeding tickets continues to grow, so does the chance that they may be considered riskier to insure. One drinking-and-driving offense will most likely be enough to warrant a high risk label for some insurers. One reason for this is the relatively high rate of repeat offenses associated with drinking and driving; in 2007 the Montana Department of Transportation, for example, reported that 23 percent of the motorists convicted of a DUI in that state were repeat offenders.


Consumers in the high-risk pool may very well find trouble when setting out to secure cheap coverage from some of the major insurance companies. The long-term method for getting out of this situation is developing and maintaining safe driving practices. In the short term, the best thing a consumer can do is explore all available options, as some insurance companies actually welcome riskier drivers. Members of this non-standard market attract customers by specializing in affordably covering motorists who are new to driving or have histories of offenses or claims. Finally, for drivers who ultimately cannot find an insurer that will provide coverage because of a tainted driving history, many states offer assigned risk programs that will assist the consumer in obtaining coverage.

Consumers can visit to learn more about attaining high risk coverage and to get a free auto insurance comparison with rates from multiple carriers.

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Benjamin Zitney
Online Auto Insurance
909-912-1855 ext. 200
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