Drivers must have financial proof they can pay for any accidents they cause, which is why auto insurance is essential. When you're at fault in a collision, liability policies pay for others' medical expenses and car or property repairs and replacements. However, if it's determined you're a high-risk driver, you might find it challenging to obtain insurance. Learn more about why this is below.

Who's Considered High Risk?

When you request an auto insurance quote, insurance carriers pull your driving records to decide how likely it is that you'll file claims in the future. They determine this by looking at several factors, including how many speeding tickets or traffic offenses you've been cited for in a specific period. Providers also consider your vehicle's safety rating and whether you've had any driving under the influence convictions.

Additionally, some factors can indicate how mature and responsible you are, which implies whether you'll likely be involved in mishaps. For example, drivers under the age of 24 are considered more likely to have accidents due to their driving inexperience. Insurance providers will also look at your credit score and for any lapses in insurance coverage.

How Can You Get Insurance?

If you need auto insurance, it's wise to know what providers will see when they look at your driving record. You can obtain a copy of these documents through the Texas Department of Public Safety or Florida Department of Highway Safety and Motor Vehicles. You can dispute any violations you feel are in error by following the directions included with the report, which could benefit your rates.

If you're considered a high-risk driver, there are also a few ways you can attempt to lower your insurance premium. For example, drive a vehicle with a high safety rating and take a defensive driver class from a government-approved company. You should also shop around for the best rates by asking for quotes from different insurance agencies.

If you're a high-risk driver in Florida or Texas, request an auto insurance quote from America's Favorite Insurance & Tax. Their insurance team specializes in offering affordable and easy-to-get policies for clients, and they can help you customize a policy for your needs. Call (972) 662-8221 or visit them online to request a free quote today.