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!
We’re here for you. Call Auto Insurance Express at (417) 206-3733 for more information on Joplin SR-22 insurance.