What is High Risk Car Insurance? 4 Things to Know

3. Those Who Have Been Convicted of Drunk or Drugged Driving

Drunk or Drugged Driving

If you’ve been convicted of driving under the influence of drugs or alcohol, you’ll be considered a high-risk driver. You might be able to have this determination reversed if you haven’t had another conviction for three years.

It makes sense on the insurance company’s part to label you a high-risk driver because you are one. You might say to yourself it was only a few drinks, but the police determined that you were too intoxicated to drive.

You can’t argue with a DUI since they will usually take a blood or breath test to determine your level of intoxication. Anyone who refuses such a test is immediately considered guilty regardless if that’s the case or not.

If you’re planning on drinking or becoming impaired, the best advice by far is to find a way home. You will end up spending so much extra money on insurance if you’re caught driving while impaired.

The risk isn’t worth it and your premiums will skyrocket. In the mind of the insurance company, they think you are at risk of driving while impaired again.

You see, that is their biggest concern of all, and they have a reason to worry. You’ve already been caught driving drunk, and they know that many people won’t learn their lesson the first time.

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