Ponder Auto Insurance Companies

If you have some blemishes on your driving record, Ponder auto Insurance companies might view you as a high-risk driver – and you’ll need high-risk insurance as a result. Auto Insurance companies in Ponder TX will typically believe you will be more likely to file a claim, or be found responsible for committing traffic violations. That means you’ll be paying higher rates. At Kirk Bonds Insurance, we will always take the time to explain why certain drivers fall into this category, and also let them know how they can get out of it.


High-Risk Drivers, Explained

Many Ponder auto Insurance companies classify high-risk drivers who will be more prone to filing a claim or getting a ticket than average-risk motorists. The chances are higher that they’ll get into an accident, or they’ll get a speeding ticket, or commit some other type of moving violation. Auto Insurance companies in Ponder TX will usually charge higher rates to people who have had a certain number of traffic tickets, or who have DUIs on their record.

How long do drivers stay in this category? It depends on the nature of your violations. There are many auto Insurance companies in Ponder TX that will consider drivers high-risk for longer periods of time if they’ve committed several major violations, like repeatedly speeding in school zones, or being caught doing 110 mph in a 65 mph zone several times. If the violations are relatively minor, like parking tickets, then insurers will not consider them high-risk as long.

There are a lot of reasons why a driver could be considered high risk. Getting a DUI will probably have a significant impact on insurance rates for at least three years, as will driving with a suspended license. Other reasons include being at fault for an accident, having multiple speeding tickets, or even having bad credit.


Let Us Show You How We Can Help

Unlike some Ponder auto Insurance companies, Kirk Bonds Insurance will do our best to work with you to find you the most affordable rates we can – even if you’re in the high-risk category. Learn more by calling (817) 232-1511 or using our online form.

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