MAIF policy

What is a High Risk Driver?

Many auto insurance companies avoid insuring high-risk drivers because, for them, that means more claims and resources on a more frequent basis. If you have looked for car insurance before but have been met with high premiums, we can help you receive affordable auto insurance so you stay covered.

We are your Maryland Auto Insurance Provider, here to help you find a MAIF policy that meets your needs. It’s important to get car insurance, even if you are considered a high-risk driver, in the event of a crash or damage to your vehicle.

Am I A High-Risk Driver?

Insurance companies do not want to insure drivers seen as “high-risk.”  You are considered a high-risk driver if you have:

  • Recently received your driver’s license
  • A lapse in insurance coverage
  • Poor credit or no credit
  • Moving violations
  • No history of auto insurance
  • Numerous small violations
  • Multiple comprehensive insurance claims
  • Several at-fault accidents

Traffic violations can stay on your record for 3 to 5 years and may impact your ability to get insurance coverage or affordable coverage with some companies. These violations can increase your insurance by hundreds or thousands a year. Age, credit, and other factors can also contribute to auto insurance costs.

Becoming a safer driver can also make a difference in your insurance rates. Review safe driving techniques and educate yourself on different types of stops, merging, and yielding. Building credit, paying bills on time, and getting insurance after an insurance lapse can also be beneficial. Becoming a better driver and finding the right auto insurance policy will make a big difference.

Auto Insurance Options With a MAIF Policy

Affordable high-risk auto insurance is possible. At MAIF, we are your auto insurance provider serving drivers in Baltimore and Maryland. We provide insurance for drivers who may have been labeled as high-risk. Because we do not compete with other companies, we can provide quality rates for drivers. MAIF offers liability, collision, comprehensive insurance, and personal injury protection.

If you do not have auto insurance, get coverage immediately. Driving without insurance puts you and others at risk. If you cause an accident and do not have insurance, you can get points on your license, pay additional fees, have your vehicle impounded, and face possible jail time. Even if you are high-risk, you need insurance.

Do you need insurance but are considered a high-risk driver? Have you been looking for affordable car insurance without any luck? Call your Maryland Auto Insurance Provider today at 301.842.6002. You can also get a free car insurance quote on our website. Please let us know if you have any questions about your insurance options; we will be happy to help you.

Share
Published by
MAIF Insurance Provider

Recent Posts

  • Roadside Assistance

Where to Get Roadside Assistance

Being stranded on the side of the road is a major concern for many motorists.…

2 weeks ago
  • maryland insurance coverage

Understanding Maryland Auto Insurance Requirements

When driving on Maryland public roads, you are required to carry auto insurance. Driving without…

2 months ago
  • car insurance md

How to Save Money on Car Insurance

Saving money, especially with insurance, isn’t always easy to do. But if you have the…

3 months ago
  • accident reporting

Steps to Take For a Car Accident Report

Getting into an auto accident can be a stressful and sometimes confusing situation. Between repairs…

4 months ago
  • car insurance md

Need Help Finding Cheap Car Insurance?

Finding affordable car insurance isn’t always easy. This is especially true if you have a…

5 months ago
  • motorcycle insurance

Make Sure You’re Covered with Motorcycle Insurance

Driving a motorcycle can be a freeing experience. But it can also be dangerous. Motorcycle…

6 months ago