{"id":56,"date":"2025-03-28T04:00:00","date_gmt":"2025-03-28T10:00:00","guid":{"rendered":"https:\/\/www.trahanins.com\/blog\/?p=56"},"modified":"2025-03-26T14:14:33","modified_gmt":"2025-03-26T20:14:33","slug":"what-is-high-risk-auto-insurance-do-you-need-it","status":"publish","type":"post","link":"https:\/\/www.trahanins.com\/blog\/what-is-high-risk-auto-insurance-do-you-need-it\/","title":{"rendered":"What is High-Risk Auto Insurance? Do You Need It?"},"content":{"rendered":"<p>Did another insurance provider mention &quot;high-risk insurance&quot; to you, but you aren&#8217;t sure what it means? Well, our team at Trahan Insurance Agency LLC can help you find auto insurance in Griswold, CT that suits your needs and explain this common policy type and whether you need it.<\/p>\n<h2>What is High-Risk Insurance?<\/h2>\n<p>High-risk insurance covers potentially problematic drivers and typically includes varying prices and rates, depending on the driver&#8217;s situation. Unfortunately, your insurance company will decide whether or not you need a high-risk policy after assessing you and your driving situation.<\/p>\n<p>Thankfully, most people don&#8217;t require this protection level. That&#8217;s a good thing because it can be tricky to get off this policy type without a lot of work. However, it&#8217;s critical to know the two types of factors that can influence your protection: driving and non-driving factors.<\/p>\n<h2>How Do These Factors Affect My Insurance?<\/h2>\n<p>Driving-related elements that may force you to get high-risk insurance include:<\/p>\n<ul>\n<li>At-fault claims, particularly accidents that hurt other people<\/li>\n<li>Speeding tickets, no matter how minor<\/li>\n<li>Reckless driving, especially if someone is hurt<\/li>\n<li>Racing your vehicle (doesn&#8217;t matter where or when)<\/li>\n<li>DUI, DWI, or other types of impaired driving tickets<\/li>\n<\/ul>\n<p>However, you might also experience non-driving factors, like:<\/p>\n<ul>\n<li>Age (very young and older drivers may need this protection)<\/li>\n<li>Location (people in densely populated areas may need it)<\/li>\n<li>Bad credit (i.e., you might be at risk of not paying your policy)<\/li>\n<li>Vehicle elements (how you use your vehicle and its type)<\/li>\n<li>Lack of insurance (considered a dangerous or reckless act)<\/li>\n<li>License points (related to non-driving issues)<\/li>\n<\/ul>\n<h2>Keep Yourself Protected<\/h2>\n<p>If you think you need high-risk auto insurance or aren&#8217;t sure, call our team at Trahan Insurance Agency LLC to learn more! We can help Griswold, CT residents get the policies that make the most sense. Reach out to us today to get started!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Did another insurance provider mention &quot;high-risk insurance&quot; to you, but you aren&#8217;t sure what it means? Well, our team at Trahan Insurance Agency LLC can help you find auto insurance in Griswold, CT that suits your needs and explain this common policy type and whether you need it. What is High-Risk Insurance? High-risk insurance covers [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[7,10,9,11,8],"class_list":["post-56","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","tag-auto-insurance","tag-connecticut","tag-griswold","tag-high-risk","tag-trahan-insurance-agency"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.8 - aioseo.com -->\n\t<meta name=\"description\" content=\"Did another insurance provider mention &quot;high-risk insurance&quot; to you, but you aren&#039;t sure what it means? Well, our team at Trahan Insurance Agency LLC can help you find auto insurance in Griswold, CT that suits your needs and explain this common policy type and whether you need it. What is High-Risk Insurance? 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