If your insurance company has classified you as a high risk driver, you may have to pay a lot more for your car insurance, or even search for a company that will insure you. High risk drivers are people whose driving and insurance record displays questionable or highly risky behavior. This could be someone who has been convicted of a DUI, people who have gotten a few speeding tickets or any new driver regardless of their age.
Not all insurance companies will issue a high risk insurance policy. If your company drops you because high risk drivers are not insured, you can find more insurance online using online car insurance quote sites. Make sure that you shop for the coverage you need, not the minimum required by law. If you are driving a newer car, comprehensive coverage might be necessary even though you are not required by state law to have it.
If you are a high risk driver, you may also be required to carry an SR-22. This form is issued by insurance companies but it is not an insurance policy. Instead, it is a certificate that states you are covered for serious damages or injuries, and must be carried in conjunction with a regular auto insurance policy. Depending on your offense and the state you live in, you may have to keep an up to date SR-22 for anywhere from 1 to 5 years.
No matter what you do, high risk insurance will be more expensive. You can reduce the expense somewhat by taking advantage of discounts, of which there are many available. You can qualify for discounts based on where you live, how far you will drive the car, and any safety features built into the car. High risk car insurance will always cost more than regular coverage, but auto insurance discounts will help take some of the sting out of having it.