Any auto insurance policy is a contract between the insurer and the insured. Within the agreed limits of the Auto Insurance Rates that the insured pays, the insurance company promises to pay for damage and injuries related to an auto accident. Individual states require varying levels of liability coverage in certain minimum amounts. Drivers at fault are required to pay for damages sustained by the person who is not at fault.

There is a category of car driver who may fit a profile which merits High Risk Auto Insurance Rates due to certain driving habits and tendencies. If you are one who tends to get traffic tickets, or is involved in auto accidents, you may be considered a High Risk Driver and will probably be placed in a High Risk Insurance Rate category by your insurer.

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For drivers with poor records who cannot find coverage, there are state-regulated insurance plans to provide coverage for a high-risk driver. These "risk pools" usually charge High Risk Insurance Rates.

For drivers who do not meet the eligibility requirements established by the major insurance providers, the term "high risk" applies.

High Risk Drivers

• Most insurance companies feel that if you have been convicted of serious offenses, such as DUI, you may be too risky to insure.
• Owning and driving a high performance sports car also puts up a red flag for the insurance industry.
  If you have been involved in several accidents in which significant liability against you has occurred, expect High Risk Auto Insurance Rates.
• Drivers who have accumulated multiple serious tickets are High Risk Auto Insurance Rates candidates.