Being a high-risk driver usually means higher insurance rates. These drivers are usually found to have one or more accidents, multiple minor violations or one major violation, have a lapse in coverage, or DUI/DWI conviction.
Owning a vehicle requires the purchase of car insurance in almost all states within the U.S. Each state sets its own rules and regulations. These state insurance requirements establish the least amount of insurance to cover your vehicle in case of an accident.
There is no magic timing to switching auto insurers, but some people look for a new insurer when renewal time comes around. Other reasons can include price and customer satisfaction.
