At What Point Do Insurance Companies Consider You a High Risk Driver?

It’s interesting how insurance companies in Cincinnati determine whether or not you are a high risk driver. 

Some insurance companies consider you high risk if you have more than two tickets in the last three years.  Other companies consider you high risk when you have 2 accidents or more in the last three years. Additionally if you get caught driving without insurance, or if you are required to carry an SR 22 some companies consider you high risk.

Many Insurance Companies in Cincinnati Do Not Offer High Risk Insurance.

If you are dropped by your current insurance company because of too many tickets or accidents you will learn that some of the biggest insurance companies may not take you, or they will offer rates that are substantially higher than what you can obtain elsewhere. Let’s look at an actual example. 

Massive Difference in Price for High Risk Car Insurance in Cincinnati

A person called our office recently who was insured with the Geico insurance in Cincinnati. She was paying about $180 per month. Geico considered her high risk because she had a DUI.  

We shopped around and found a company would take her for about $108 per month!  The new company also considered her high risk, but they were willing to offer the same coverage for nearly $1000 per year savings compared to Geico’s car insurance rates.

If you have been dropped by your car insurance company in Cincinnati, call Pathway Insurance at 513-662-7000