A driver can be deemed a high-risk by car insurance companies due to a variety of reasons in the state of Ohio. However, the “high-risk” label isn’t always permanent, and you can take important steps to help you remove this designation.
Interested in learning more about cheap SR22 insurance in Ohio? Here is a brief overview of the various offenses that can deem you to be a high-risk driver and the amount of time it takes for this label to go away.
Four Things That Can Classify A High-Risk Driver
1. Serious Traffic Violations
A DUI or a DWI penalty in the state of Ohio can impact your insurance coverage for up to five years. If you are convicted of this offense, the DMV will require you to have proof of SR-22 insurance. Other serious traffic violations include driving with a suspended license or multiple DUIs or DWIs.
2. Numerous Tickets -Getting many tickets in only a short amount of time could also put you in the high-risk category. Typically, this designation can last up to three years. Keeping track of the dates of your ticket violations can help you determine when you are eligible to remove yourself from the high-risk category.
3. Insurance Lapses – A lapse in your insurance coverage may deem you to be a high-risk driver in the state of Ohio. Insurance lapses will often result in higher rates for at least six months. It is always important to pay your premiums on time and never drop a policy before the end of the term.
4. New Drivers – New drivers are often labeled high-risk due to their youth and limited driving experience. The best way to move out of this category is to avoid traffic violations and always practice safe driving habits. Eventually, a new driver can obtain a more affordable premium due to getting older and being more responsible behind the wheel.
SR-22 Bond of Ohio
Being labeled as a high-risk driver doesn’t have to be permanent. Taking the necessary steps to overcome this label can save you a lot of money and stress. SR-22 Bond of Ohio is a company that specializes in helping drivers obtain cheap SR22 car insurance, as we have over three decades worth of experience in the industry. Our staff members are always happy to answer any of your questions. Feel free to give us a phone call to learn more about cheap SR22 insurance!