What Is a High-Risk Driver?
Of course, the group left in the cold is the actual high-risk drivers. Their options are limited and they are vulnerable to jacked-up prices from the insurance companies that can and will cover them.

A high-risk driver is anyone whose record indicates they are more prone to car accidents or other incidents:

■Inexperienced drivers: Though they may not have done anything wrong yet, newbies on the road pose as a threat just because they aren’t accustomed to the road.
■Accident prone: This is self-explanatory. If your history shows you are prone to auto accidents then you’re prone to file insurance claims.
■Repeat offenders: Drivers with more than one run-in with the law raise red flags as well. If you’re not following the rules of the road, chances are you’re posing as risk.
■Drunk drivers: If you have a DUI on your record, that one’s going to cost you. If you have more than one, you probably shouldn’t be on the road anyway.
■Thrill rides: If you have a modified muscle car or sports car, some insurers could categorize you as a threat, too.
What To Do If You’re a High Risk Driver
If you’re one of the unfortunate ones deemed a risky driver, go over the list above to see what you can fix. You can try taking extra safety driving courses to try and lower your premiums, or change your ride to one deemed safe by your insurer.

For the inexperienced, there isn’t much you can do about that except get a few more repetitions under your belt. However, you can try to piggyback onto the policy of a friend or relative who is a safe driver. This could help you to lower your premiums, but could also negatively impact what they have to pay.

Keep in mind, though, while premiums are important, there are many other factors to consider when picking the right auto insurer for you.