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There are a number of things that can put you in the category of a high risk driver. These can be things from being under 25, having a number of traffic violations, or being over 70. One very obvious thing that will put you in that category is drinking and driving. There really is no excusable reason to do this, and if you are caught you can expect to pay higher rates every single year, for a number of years to come.
If it has been a while since you got in trouble, you could ask your insurance company what you can do to lower your rates. They may possibly have a class you can take, or something you can do to show them that you are not a risk any longer, and maybe, just maybe they will lower your rate for you.
If not, your only option is to wait, or try to find another company with deals for high risk drivers. Usually you will have to have it on your record for 5 years. This means they can charge you more for you insurance for that long! Just don’t do it. This way you can control this factor when it comes to your insurance and what you pay.
If you do not drink and drive then there is no way they can raise your rates for it!