A "high risk" auto insurance classification is not tag anybody wants to be associated with, but it's a real cold fact. Some people due to some misfortune they can, or can't control find themselves tagged and labeled high risk -- and there is nothing they can do about. You're considered a high-risk by insurance companies if you fall into one, or combination of these categories: If you've had your driver license revoked or suspended, if you had bad driving record, bad credit score; or even if you live in a neighborhood considered risky and bad, where car thieves run rampant.
Things may get better
Where there is a will, there is always a way ... if you find yourself assigned a "high risk" that is not the end of the world as we know it. Most state have what is called Automobile Residual Classified Market, where some disadvantaged consumers can get reduced insurance premium based on their level of risk. If you have tried, and wasn't able to secure automobile insurance through the regular channels, you should turn to your states' "Automobile Residual Market" for help. Any driver with a valid driver license should not go without automobile insurance ... so if you can't get coverage that you can afford through the open market, go through the residual market pool.
Your local chamber of commerce is always an avenue to use if you don't know how to contact the high risk pool program is your area. There're also hundreds of high risk auto insurance companies in the open market who offer discounted premiums to high risk consumer, but most won't know how to find them, unless you contact some authorities in your area with such knowledge. When you're tagged and cast-out by most insurance companies who are not even willing to sell you insurance at any cost, your options become limited: but there is always one place you can turn to. The Internet! Where you can search for multiple quotes from competing insurers; and hopefully find an affordable quote.
Look hard for the help you need
Things like DUI, bad credit score, or living in crime-ridden neighborhoods may be preventable, but sometimes can't be helped. Don't let something you can control prevent you from getting affordable high risk auto insurance: control things you can control ... like making sure you don't start shopping for new policy after you cancelled you old one. Do you know that cancelling your auto insurance before you get new one can throw you into "high risk" classification? Always shop for new car insurance when you're fully insured and in good standing with your current insurer.
When you are in need of car insurance as a high risk driver there are thing you can do to improve your chances. Most people do things based on value judgment -- and shopping for auto insurance when you're a high risk consumer is no exception. Shop around for better deals always, if you're high risk auto insurance consumer. Always use the Internet for your advantage when you can to explore the magic of instant multiple insurance quotes online.
