High-risk drivers, including those with limited experience, a history of tickets, reckless driving, and certain vehicles, may struggle to find affordable insurance. Working with a specialized insurance broker and taking steps to improve driving records can help lower premiums. New drivers and those under 25 are also considered high-risk categories.
High-risk drivers include people with limited driving experience, people with a history of ticketing, reckless drivers, and people who drive certain types of vehicles. Drivers in this category sometimes have trouble finding insurance and generally pay higher premiums for auto insurance. It may help to work with an insurance broker who specializes in high-risk drivers to get the best deal on insurance, as these insurance professionals know all about the options available to people with different types of driving records.
New drivers include teens who have just received their licenses, as well as adults who obtained their license later in life. An insurance agency will ask how many years of driving experience a person has and may weigh the premiums accordingly. Adolescents and young adults are also a risk category, as people under the age of 25 tend to be more likely to have accidents due to inexperience and other factors.
Tickets are also a concern, especially if they are for serious violations. A history of driving under the influence dating makes someone a potentially dangerous driver, as do tickets and fines for things like speeding and reckless driving. These high-risk factors are a concern for insurance agencies, since they are more likely to have to pay out those policies, and that can expose the agency to financial risk.
Certain vehicles are also cause for concern. People with sports cars and motorcycles may have trouble finding insurance because they are considered high-risk drivers. Their vehicles are more likely to be stolen, and insurance agencies tend to suspect that these drivers will be more likely to speed, have accidents, and expose themselves to danger due to their choice of automobile. This is especially true in cases where a person has a history of prior claims on an insurance policy.
High-risk drivers can sometimes get out of this category by working to improve their records. Simple steps like taking advantage of traffic school to drop tickets can go a long way, as can taking precautions to avoid accidents. People with a history of driving under the influence can consider counseling and other options to help limit the chances of future episodes, and drivers can also take defensive driving courses to demonstrate an interest in preventing accidents and being a better driver. . Such courses can lower insurance premiums and make the agency feel more confident writing a policy for a driver with a few black marks on their record.
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