Car insurance companies look at a number of things when determining whether you are insurable and how much your premiums will be.  Based off of detailed information, companies then mark drivers as preferred, standard, nonstandard or high-risk.  And while high-risk drivers can still get insurance, it comes with a price.  Here are five reasons you could fall into the category no one prefers.

Sadly, car insurance companies continue to look at credit score when evaluating people’s information and poor credit hurts.  This is something that states are fighting to get rid of, but for the time being a low credit score can be a factor in the overall cost.  However, you cannot be denied insurance no matter how low your score may be.

Believe it or not, young drivers with no record immediately have the claim to fame of being high-risk drivers.  This of course comes with the statistics that show teenagers are involved in far more accidents and get more traffic violations than 30-45 year-olds.  Regardless, drivers under the age of 25 are usually classified as high-risk by insurance companies.

What you do has more effect on your life than how much money you’re bringing home.  Your occupation can actually have an impact on car insurance as well.  People who are constantly driving for work such as pizza deliverers, outside sales representatives and truck drivers are considered high-risk drivers.  The reason being the car is on the road far more than most vehicles.

Not only does your profession impact the total cost with car insurance companies, but so too does the car you’re driving.  There are certain vehicles like high powered cars and some sports cars that will bring on a higher price tag.  The reason for this is it is more expensive to repair if there was an accident.  Just know that it depends on the vehicle and not the category the car falls into.

The final reason car insurance companies can label you as a high-risk driver is if you have a lapsed insurance policy.  If at any point in time you have failed to pay your car insurance premium and had your policy cancelled by another company, other companies will factor this into your new premium.  On top of this, expect to pay higher rates if you drove without insurance for a period of time.

In almost all cases you will be able to get car insurance if you are marked as a high-risk driver.  Just know that car insurance companies will deliver a hefty price tag with your premium.