It shouldn’t come as a surprise to you that insurance providers calculate auto insurance rates based on the level of risk you present as a customer. In short, the more likely you are to cost the company money, the higher you’ll pay for coverage. But what does it take to be classified as a high risk driver?

Being uninsured: Auto insurance is required of every driver in every state. If you’re caught driving without insurance, the consequences could be worse than a mere ticket. Once you go to find an auto insurance policy, you may get turned away by several insurers because driving uninsured is a big risk factor. Additionally, you may be required to file an SR-22 form, which allows the DMV to keep tabs on you to ensure you remain insured. However, SR-22 coverage is often much pricier than regular coverage. You can avoid these outcomes by maintaining your car insurance at all times.

Driving violations: A minor incident every now and then may not have much of an impact on your insurance, but getting in multiple accidents and/or being fined with multiple tickets can sure make a difference. If you accrue over six points on your record, you may be faced with SR-22 coverage. Luckily, you can avoid this issue by adhering to speed limits, traffic signs and generally practicing safe driving skills.

Drunk driving: Driving under the influence of drugs or alcohol is a serious offense that can put lots of people in harm’s way. Many insurers will not tolerate this behavior and will drop your policy if you’re convicted of a DUI/DWI. However, you’ll still need to find coverage—likely SR-22 coverage—with an insurer that does work with high risk drivers, often with a higher price tag. Once again, this can be avoided by simply choosing not the get behind the wheel after drinking. Instead, appoint a designated driver, call a cab or crash with a nearby friend.

Do you still have questions about SR-22 auto insurance and how it will affect you if you’re required to get it? Our agents are here to help!