Re: Chandlers skoolie
Assigned risk is both for drivers with bad records as well as those with no records. When I moved from one state to another, I got put into assigned risk because there was (at the time) no interstate access to my existing record. Usually, the state sets the assigned risk rates, and each insurer must take 1 risk assignment for every so many standard policies it writes.
$250 per year does not sound outrageous for the minimum necessary liability needed to get plates in your state. I would look at the limits before taking off cross-country, to be sure you have more than the minimum for the states you pass through. The last time I checked (decades ago), the bare minimums varied wildly from state to state.
Someone said "Making good decisions comes from experience, experience comes from bad decisions." I say there are three kinds of people: those who learn from their mistakes, those who learn from the mistakes of others, and those who never learn.