Any of the factors below – or a combination of them – can increase your insurance rates and possibly make it harder to find an insurer who will sell you a policy.
DUI or DWI conviction
Reckless driving conviction
Prior suspended driver’s license
Multiple speeding tickets and other traffic violations
Previous insurance claims
Lapse in car insurance coverage
Bad credit rating
Age under 25 or over 65
New driver with lack of driving history
If you have been classified as high risk due to a DUI/DWI conviction, a suspended driver’s license or other serious infraction, when you do obtain insurance, you may need to ask your insurer to file an SR-22 or FR-44 certificate to certify your coverage.
Questions & Answers
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