You may end up needing a high risk auto insurance quote if you have a history of speeding tickets, reckless driving, or frequent accidents.
It's not at all unusual to find your insurance rates doubled or even tripled if you earn yourself a reputation as a "bad driver."
The truth is that insurance companies are in the business of evaluating risk and figuring out what the likelihood is of them having to pay out on a claim for each client.
They want to make money, of course, and if you look like you're likely to cost them money instead, they are going to want to get as much as they can out of you - just in case!
Even if you find yourself in that unenviable position, you should still try to get the best deal you can while attempting to improve your record.
You'll probably have to be on your best behavior for about 5 years before your premium prospects improve, but it will be worth it.
However, a poor driving record is only one of the reasons that may cause you to face the need for high risk car insurance.
You may fall into that category if any of these circumstances is true in your case:
you are considered someone who needs "high risk" auto insurance, your
premiums are going to be frighteningly high. You may even have
difficulty getting high risk car insurance at all.
Don't despair. There are some alternatives you may want to consider.
There are particular private insurance companies that deal especially in policies for those considered to be high risk.
You can obtain a list of possible providers from your state insurance department. If you ask a standard insurance company, they may also be able to offer you some potential insurers in your state.
Contact a couple of these companies for a high risk auto insurance quote and then do a comparison to find the best deal.
A second alternative is to join a state assigned risk pool. This is what I would consider as a last resort. The rates are going to be the highest with this kind of program, but if you are desperate, it is something to consider.
Basically, the insurers in your state pool together on a voluntary basis and divvy up the high risk auto insurance policies and accept the profit or loss they are dealt. You can be sure that they are going to try to keep that on the side of profit. :-)
You may be stuck paying high premiums for a few years, but if you are careful and remain incident free, your premiums should gradually drop until you no longer need high risk auto insurance.