Call Us 800-530-5822 ☰ ˟
Logo
Phone IconCall Us 800-530-5822
  • Main Menu
    • Home Page
    • About Us
    • Carrier Videos
    • Contact Us
    • Make a Payment
    • Testimonials
    • Refer a Friend
    • Join Our Newsletter
    • Newsletters Archive
    • Important Links
    • Insurance Glossary
    • Location
    • Privacy Policy
  • Automobile
    • Auto Insurance Information
    • Instant Auto Insurance Quote
    • AssuranceAmerica Quote
    • Request ID Card for Auto Policy
    • Send Declaration and Coverages Information to Lien Holder
    • Add Vehicle to Existing Auto Policy
    • Remove Vehicle from Existing Auto Policy
    • Add Driver to Existing Auto Policy
    • Remove Driver from Existing Auto Policy
  • SR-22
    • SR-22 Insurance Information
    • SR-22 Insurance Quote
  • Homeowners & Renters
    • Homeowners & Renters Insurance Information
    • Manufactured Home Insurance
    • Homeowners Insurance Quote
    • Manufactured Home Quote
    • Renters
    • Renters Insurance Quote
  • Life
    • Life Insurance Information
    • Life Insurance Quote
  • Motorcycle
    • Motorcycle Insurance Information
    • Motorcycle Insurance Quote
    • Request ID Card for Motorcycle Policy
    • Add Motorcycle to Existing Policy
    • Remove Motorcycle from Existing Policy
    • Add Driver to Existing Motorcycle Policy
    • Remove Driver from Existing Motorcycle Policy
  • Recreational Vehicle
    • Recreational Vehicle Insurance Information
    • Recreational Vehicle Insurance Quote
  • Boat
    • Boat Insurance Information
    • Boat Insurance Quote
  • Blog
  • Areas We Serve
    • Illinois
    • Indiana
    • Missouri
    • Ohio
    • Wisconsin
Auto Insurance quotes from multiple carriers. Get Quotes
Home insurance that fits every size home and every home value. Get Quotes
Take care of the ones you love by getting Life Insurance. Get Quotes
SR-22 Insurance Get Quotes
Home/Renters Insurance Get Quotes
Renters Insurance Get Quotes
Low price. High value. Great service. Get Quotes
Home > Blog > Getting Missouri Auto Insurance as a High-Risk Driver
TUESDAY, DECEMBER 20, 2011

Getting Missouri Auto Insurance as a High-Risk Driver

Insurance companies have a sophisticated set of duties.  Carriers design policies that protect their policyholders, evaluate how much risk a potential policyholder brings to the table, establish effective rates that are affordable to the policyholder while keeping the insurer profitable, and they need to meet their claim obligations to policyholders.

Reading that, you might think it means that insurers won’t issue an auto insurance policy to you if you are a high-risk driver, but that’s not true. An experienced agent can help you find insurers that will make it possible for you to get insurance and submit your SR-22.

Who is High Risk?

There is no single factor that may make an individual driver high risk. An insurer could consider any of the following to meet that definition:

  • Elderly drivers
  • Young drivers
  • Drivers with a history of accidents
  • Drivers with a history of traffic violations
  • Drivers with a suspended license
  • Drivers with a DUI or DWI
  • Drivers who’ve repetitively driven without coverage

Qualifying for a Policy

One of the keys to getting a policy when you’re high risk is working with an agent who has access to multiple carriers, including non-standard carriers, and is familiar with the underwriting standards of each. That agent will know which insurers are less likely to offer a policy based on your specific history and, in turn, which are more likely to.

The best ways for you to make this process easier for your agent:

  • Fully disclose your driving history
  • Let them know what you’ve done to become a better driver and prevent a repeat of old mistakes
  • Take a driving class
  • Keep your record clean

SR-22 Filings

If you are required to submit proof of insurance through an SR-22 filing, your agent can assist you with that for however many years you are required to submit it.

Keeping the Insurance

As a high-risk driver, getting insurance is just half the battle. You also need to maintain your insurance so you can keep your vehicle on the road. In order to retain your policy:

  • Pay premiums in full and on time
  • Send back any bi-annual or annual renewal documents by the deadline
  • Maintain a clean driving record

If you’re ready to start exploring your high-risk auto insurance options, let us know. We can help you find the right company and policy for all your non-standard needs. Call us today at 800-530-5822 or get a free Missouri auto insurance quote.

 JG

Posted 3:56 PM

Tags: missouri, auto insurance, missouri auto insurance, insurance, auto, sr-22, insurance policy, missouri insurance policy
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014
  • 2013
  • 2012
  • 2011

  • cloverleaf insurance(92)
  • auto insurance(75)
  • insurance(74)
  • car insurance(64)
  • coverage(50)
  • missouri(30)
  • home insurance(24)
  • renters insurance(23)
  • sr-22 insurance(18)
  • motorcycle insurance(15)
  • safety(14)
  • protection(14)
  • sr-22(13)
  • missouri auto insurance(13)
  • missouri insurance(12)
  • foremost insurance(12)
  • sr22 insurance(11)
  • auto(11)
  • sr22(11)
  • car(9)
  • policy(8)
  • missouri car insurance(8)
  • illinois(8)
  • rates(8)
  • founders insurance(6)
  • 1-800-530-5822(6)
  • 18005305822(6)
  • illinois sr22 insurance(6)
  • maintenance(5)
  • life insurance(5)
  • auto insurance quotes(5)
  • car insurance missouri(5)
  • dui(5)
  • dwi(5)
  • roadside assistance(5)
  • homeowners(4)
  • low cost car insurance(4)
  • liability(4)
  • tips(4)
  • collision coverage(4)
  • rv insurance(4)
  • auto insurance missouri(4)
  • motorcycle(4)
  • premiums(4)
  • missouri sr22 insurance(4)
  • boat insurance(4)
  • requirements(4)
  • illinois home insurance(4)
  • independent insurance agent(4)
  • nonowners(4)

View Mobile Version
American Modern
Foremost
Hagerty
Kemper
The General
Home| Get A Quote| Customer Service| Blog| About Us| Contact
Physical Address: 301 Jungermann Road | St. Peters, MO 63376
P: 800-530-5822
Social Social Social Social
Logo

Powered by Insurance Website Builder