Driving a car is not as easy as it seems, that’s why the state law enforces to purchase insurance. Some drivers love taking risks, hence for such risky drivers, there is a different kind of insurance policy.
You may be a pretty good driver and you might have a clear understanding of how to drive your car on the narrow roads in mountain at high speed or even driving confidently on the ice covered streets; but, even the best drivers can encounter an accident or can receive a speeding ticket.

Co-incidentally, these incidences can repeat even for a perfect driver. If you have faced enough accidents or have racked many speeding tickets or even the serious infraction (under the influence of drugs or alcohol), then you may be classified as a high risk driver.

A high risk driver cannot buy the standard car insurance from the market. They have to pay approximately three times more for the insurance that a clean record driver. Insurers may check your complete driving history as well as the credit history, before selling you the insurance. The high risk drivers are categorized in groups such as:

• Nonstandard Drivers: Inexperienced and young high-risk drivers who may have many accidents or tickets.
• Standard Drivers: Drivers with good driving track record.
• Preferred Drivers: Drivers who have excellent track records, who are also eligible for the lowest car insurance rates.
• Un-preferred Drivers: Drivers who are not entertained by any car insurance companies.

Reasons why people fall in high-risk category:
Apart from speeding tickets and accidents, there are other factors that can push you in the high-risk category. Here are the factors that can place you in high-risk pool for car insurance as well as increase the rate of interest:

• Lapsed Insurance Policy: If the previous policy was cancelled or if you failed to pay the premium.
• Bad Credit Score: For a lousy credit score, the insurance company may deny the car insurance.
• Profession: People constantly on roads for jobs such as long-haul truckers, pizza deliverers, etc are considered high-risk drivers.
• Type of Car: The insurance companies can reject insurance for high powered cars including expensive to repair, sports cars, etc.