High-risk drivers, including those with limited experience, a history of tickets, reckless driving, and certain vehicles, struggle to find insurance and pay higher premiums. Insurance brokers specializing in high-risk drivers can help find the best deal. New drivers and those with tickets are also at risk. Improving driving records and taking defensive driving courses can help break out of the high-risk category.
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 difficulty finding insurance and usually pay higher premiums for auto insurance. It can be helpful 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 histories.
New drivers include teenagers who have just received their licenses and adults who obtained their licenses later in life. An insurance agency will ask how many years of driving experience a person has and can weight premiums accordingly. Teens and young adults are also an at-risk group, as people under 25 tend to be more likely to get into accidents due to inexperience and other factors.
Tickets are also a cause for concern, especially if they involve serious infractions. A history of driving under the influence citations makes someone a potentially dangerous driver, as do tickets and tickets for things like speeding and reckless driving. These high-risk drivers are a concern for insurance agencies, as they are more likely to have to pay for those policies and this can expose the agency to financial risk.
Some vehicles are also a cause for concern. People with sports cars and motorcycles may find it difficult to find insurance because they are considered high-risk drivers. Their vehicles are likely to be stolen and insurance agencies tend to suspect that these drivers will be more likely to speed, get into accidents and expose themselves to danger because of their choice of car. This is especially true in cases where a person has a history of making previous claims on an insurance policy.
Sometimes high-risk drivers can break out of this category by working to improve their records. Simple steps like taking advantage of traffic school to cancel tickets can be very helpful, as can exercising caution to avoid accidents. People with a history of driving under the influence may want to consider counseling and other options to limit the chances of future episodes, and drivers may also take defensive driving courses to demonstrate an interest in preventing accidents and being a driver. improve. Such courses can reduce insurance premiums and make the agency more confident about writing a policy for a driver with some black marks on her record.
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