All Cities Insurance Services

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Welcome to All Cities Insurance

We specialize in "high risk" or unlucky drivers. Since we represent over 50 different auto insurance
companies, we will bring you the best possible price from the best auto insurance company that fits

What is High Risk Auto Insurance?
There are many things that constitute a high risk driver, which in turn leads to high risk auto insurance.
Below are some things that could potentially contribute to a higher premium. This will help you determine
whether or not you should be looking into purchasing high risk auto insurance.
High Risk Auto Insurance Factors
If you have a poor driving record, you may need to look into high risk auto insurance. At-fault accidents
and tickets can increase rates. If you receive a speeding ticket, insurance companies believe that the
chances that you will be involved in a traffic accident are now higher. Reckless drivers are the kinds of
people that will need high risk auto insurance.
Who you are also plays a factor. Men are considered more of a risk than women. Teens are considered
more of a risk than adults. And people who drive in metropolitan areas as opposed to rural communities
are also considered a greater risk.
If you haven't had continuous auto insurance coverage over the past few years, that will affect your car
insurance rates as well. If you've had sporadic coverage, insurance companies will assume you've either
been driving without insurance or you have been canceled by your previous carrier. This is another factor
in high risk auto insurance.
Finally, credit history also plays a role in high risk auto insurance. Statistics have shown that drivers will
poor credit tend to file more auto insurance claims. Insurance companies use that information to determine
high risk drivers as well.