If any of the following has occured to you in the last few years, you probably have been placed in the High Risk Auto Insurance category :

If you have had your license revoked or suspended for violations and now required by law to carry an SR-22 policy. Then you are considered a high risk to insure for auto insurance and will have to have the SR-22 before your license is reinstated. Now, you will know if you need this policy because your states DMV will notify you if your license is suspended or revoked and will let you know you have to get the SR-22 to be reinstated.

Now, the SR-22 policy is a proof of financial responsibility or a financial responsibility certification that is issued by an auto insurance company verifying to the state that you have purchased an insurance policy required by the state. This means you have the states required minimum amount of car insurance which you can use in the even of an accident. If you have the SR-22 it also means that your auto insurance company will have to inform the state if your car insurance is cancelled for any reason whatsoever. Now, if you are required to have this type of insurance, usually you will be forced to it for three years. This is what most states require, so you should check your states requirement.

In relation to the SR-22, you may also be considered an auto insurance high risk if you have a history of violations or accidents even if you are not required to carry the SR-22 policy. This is because auto insurance providers take into consideration the driving history of its clients and classify them accordingly. If you have several accidents and violations, more likely you will be considered an auto insurance high risk driver.

A persons age can also place them in to the high risk category. If you are 70 years of age or older then you are already considered to be in the high risk auto insurance category. On the other hand, if you are 20 years of age or younger, then you are also considered an auto insurance high risk driver.

If you are considered to be high risk, then you will be issued a non-standard car insurance policy. Of course this type of policy is more expensive than the standard insurance policy. Nevertheless car insurance providers today are highly competitive so you can find a non standard insurance policy for if compare car insurance rates. Also, it never hurts to ask the insurance companies how it is possible for you to get lower rates if you cannot afford the standard rate for the policy.