Finding the right auto insurance plan for your family can be a challenging process.
There are many factors to consider, including finding the right balance between price and coverage.
Many motorists have previous violations and other habits that can label them by insurance companies as a high risk driver.
Being categorized this way can lead to higher costs and fewer options for car insurance.
After you have carefully selected an insurance company, they will also examine you and your driving history.
Some of the factors taken into consideration by insurance agents when looking at your record include:

• Any previous offenses on your record
• Whether you have outstanding tickets and citations
• Any convictions of drunk driving or driving under the influence
• The age and experience of the driver

Each insurance agency has their own regulations regarding high risk drivers and in order to discuss what options may be best for your unique situation, it can be helpful to speak to an auto insurance specialist.
There are some things that may be able to help you lower your potential insurance rates including:

• Consider the cost of insurance before buying cars of a certain color or model
• If possible, consider putting more than one car on your plan
• Request higher deductibles
• Check your eligibility for low mileage discounts
• Attempt to keep your credit score in good standing

While these activities may not remove the high risk driver label from your record, many of the increased fees and costs associated with this type of driver are overlooked in favor of other qualifying attributes.