High-risk auto insurance is for drivers who are more possible to get into car accidents and file claims. Auto insurance companies usually base this on driving history, those who have lack of knowledge and some other factors.

The way you make use of your car and the number of miles you cover will have an impact on regular and high-risk insurance rates. Driving fewer miles in scarcely populated areas will effect in the lowest premiums, while using the vehicle frequently in closely populated locations means you will have to reimburse more.