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What Is A High-Risk Driver

Being labeled a High Risk driver can be a major inconvenience on your schedule & your wallet. Not only are you left searching for a new policy, you’ll be faced with higher insurance rates as a result. Understanding what a high-risk driver is can help you avoid costly mistakes so that you can get back to standard insurance and avoid returning to this risk category. Also, if you are interested in obtaining auto cheap insurance, you should visit our website and get more facts and info about the auto insurance industry and market.

teen-driversA High Risk driver has had accidents, tickets or even a major driving conviction. You can even be labeled a High Risk driver if you’ve missed scheduled insurance payments. You can be sure that a DUI / DWI will stay on your record for at least three to five years. However, many carriers will ask if you have had any prior DUI / DWI conviction in the last 10 years. Being convicted of DUI/DWI will automatically make you a high-risk driver.

Some of the more severe infractions that will also qualify you as an undesirable driver to insurers are excessive speeding, illegal street racing, driving without a license, reckless driving, and any traffic violation that results in loss of human lives.

New drivers, especially teens, are considered high-risk drivers.  Teens should avoid getting their own insurance policies at all costs and instead, jump on their parents’. But parents should, in turn, expect more expensive premiums.

Getting high-risk cars will also place you in the same risk category. Exotic, sports, super, and collectible cars are all considered high-risk. You may have options when purchasing specialized auto insurance for these vehicles, but it is best to speak with your agent to get more details. Insurance gaps and poor credit score will also affect your risk category.

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