InsuranceObtaining automobile coverage as a driver that is considered to have higher risks to insure by carriers can become inexpensive and being categorized as such an individual should be avoided at all costs. For the most part, motorists can control the way that they are viewed by car insurance companies and can keep premiums as affordable as possible; this is best achieved by simply practicing safe driving and obeying the rules of the road. Unfortunately, many drivers make poor decisions and end up paying increased premiums as a result.One of the biggest mistakes that a motorist makes, and far too common, is choosing to get behind the wheel of a motor vehicle while under the influence of alcohol and/or drugs. This not only puts the life of the driver in danger, but also the of lives anyone who is also occupying the roadways. Additionally, being caught and convicted of making such a dangerous decision can almost automatically land motorists in the high risk auto insurance pool. With such an offense on a driver's record, the individual can expect to be charged inflated rates for coverage for years to come in addition to any fines issued and the likelihood of having to purchase, file and maintain an SR-22 for an amount of time determined by the court. In many cases, a conviction of driving while impaired may result in the cancellation of a policy by the current insurer and the need to find a carrier that is willing to insure riskier drivers.

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