I was surfing the internet, and I found this interesting snippet on high risk auto insurance. Take a look:

Too many drivers multiply the danger of driving a motor vehicle when they engage in risky behavior and end up by getting cited or arrested for speeding, DUI, or worse. If the high risk driver is apprehended before causing an accident, the consequences can still be pretty harsh, including incarceration, paying an expensive fine, having his license suspended, having his car insurance rate increased or his policy revoked, and even losing his job.

Insurance companies look at your driving record to determine if you meet their standards for insurability and what your risk is to determine your premium. Auto insurance companies differ in how much weight they place on the number of points you have on your driving record. If your insurance rates are increased for blemishes on your driving record, it usually takes three years for your rates to return to normal.

Some insurers draw the line at a certain number of points on a driving record where the driver represents too great a risk and will be denied coverage. The number of points you accumulate before a company denies you a policy varies with the individual insurer, and the alternative for this driver is to compare rate quotes from high risk insurers.