Proper Steering Wheel Handling

These days most people practically live in their cars. After all, it’s hard to get around without having a reliable form of transportation, especially when you have a busy schedule.

Anyone with a car needs good insurance. In fact, you’ll find yourself in big trouble if you’re involved in an auto accident without being properly insured.

This can be a problem if you’re a high risk driver. That’s because high risk drivers pay higher rates due to the risk to insurance companies. 

This article tasks a look at what is a high risk driver and how you can avoid falling into this category when seeking auto insurance. Keep reading to learn everything you’ll need to know. 

You Have a History of Traffic Violations

There are several factors that insurance companies look at when considering whether or not an individual needs high risk driver insurance. One of them is your driving history and whether you’ve received speeding tickets or any other type of moving violation.

After all, they need to know that you are a safe driver.

You have a Low Credit Score

Believe it or not, even your credit score can impact the amount you pay for insurance. A low credit score is evidence that you might not be a responsible person. The higher your score, the less likely you are to engage in behavior that won’t result in a collision. 

You’ve Been Involved In Accidents In the Past

Insurance providers also note any past auto accidents. After all, collisions will cost them a lot of money. Thus they want to reduce the odds of major payouts by avoiding at risk drivers.

You’re Not a Home Owner

Renters also typically pay higher insurance rates compared to homeowners. Again, this is due to the fact that they tend to view homeowners as more responsible. 

You’ve Gotten a DUI

Anyone with one or more DUIs on their driving records can count on paying significantly more for their auto insurance. Drivers with a history of driving under the influence represent a major risk, and they could actually have a difficult time qualifying for auto coverage. 

This alone should serve as an important reminder to everyone to never drink and drive.

You’ve Never Had Insurance Before

Some people don’t learn to drive or get a driver’s license until later in life. This means they’ve never needed car insurance. When this is the case, insurance providers will flag the individual and take a closer look.

You’re a Teen Driver

Teens drivers are among the biggest risks when it comes to potential auto accidents. This is due to the fact that they have less experience driving and a lower level of maturity. Thus a teen driver can expect to pay higher rates for auto coverage.

Understand Who Qualifies As a High Risk Driver

Being a high risk driver doesn’t necessarily mean that you won’t qualify for auto insurance, but you can expect to pay higher premiums. This article will help you understand what to expect the next time you apply for coverage.

Keep scrolling to discover more insight into the automotive world.