Your inclusion in
the high risk driver category can be due to numerous statistics that insurance companies collect in order determine your status as an «average driver.»
A DUI / DWI instantly puts you in
the high risk driver category.
Fast / Expensive Cars — Even if you have a clean driving record, an expensive, high performance car may lump you into
the high risk driver category.
Many people assume that the only way you can be placed in
the high risk driver category, which requires non-traditional insurance, is by having numerous or serious traffic violations on your driving record.
The truth is there are 4 common factors that contribute to an insurance company's decision to place a driver in a non-traditional or
high risk driver category.
Not exact matches
Drivers who fall into traditional high - risk categories (inexperienced drivers, drivers in big cities, etc.) can save eve
Drivers who fall into traditional
high -
risk categories (inexperienced
drivers, drivers in big cities, etc.) can save eve
drivers,
drivers in big cities, etc.) can save eve
drivers in big cities, etc.) can save even more.
Young
drivers are less experienced than older road users, bringing them into a
higher risk category with insurers.
Young men typically fall into a
category of
drivers that insurers consider to be
high risk, and their quotes are correspondingly
high.
Risky
drivers or
high risk drivers are car owners who fall under certain
categories.
Worse, you could also be placed into a
high -
risk category of
drivers, and this can lead to a dramatic increase in your car insurance rates.
Insurance companies dictate premiums and deductibles based on which group of
drivers you belong to, and sadly, retired individuals belong to these «
high -
risk»
categories.
Lots of those who fall into the
high -
risk driver category look for non-standard auto insurance as a way to get legally on the road.
One thing is certain, though; once your DUI becomes official, you can expect your auto insurance rates to rise as your insurance company moves you into the
high -
risk -
driver category.
Drivers who fall into the high - risk insurance category, such as young drivers or inexperienced drivers, can often save by switching to pay - per - mile car insurance po
Drivers who fall into the
high -
risk insurance
category, such as young
drivers or inexperienced drivers, can often save by switching to pay - per - mile car insurance po
drivers or inexperienced
drivers, can often save by switching to pay - per - mile car insurance po
drivers, can often save by switching to pay - per - mile car insurance policies.
If you fall under any kind of
high -
risk category (and auto insurers do classify young
drivers as
high -
risk), you have the right to seek out quotes from other qualified Pennsylvania auto insurance providers.
If you are in the latter
category, you could be classified as a
high risk driver.
One is a tiered auto insurance system, where
high risk drivers simply get bumped into a
higher category for policy and premium rates.
All is not lost if you happen to fall into the
category of
high risk driver.
New
drivers statistically have more accidents than any other age
category and thus are considered «
high risk» to insure.
Auto insurance providers classify
drivers who travel a lot under the
high risk category.
If you are in a
high risk category, in particular, proving to your insurance company that you are a safe, careful and responsible
driver, can potentially help you lower your premium.
You could also be placed in a
high -
risk category of
drivers, which can lead to a dramatic increase in your car insurance rates.
If you are caught, you can face fines of up to $ 1,000, up to 90 days of jail time, suspension of your license for up to one year and placement in the «
high risk»
category of
drivers, which can increase your car insurance coverage rates substantially.
Drivers between the age groups of 15 and 24 are considered to be in the
high -
risk category for auto accidents.
These types of courses are especially helpful to young
drivers or people in
high -
risk categories who need some assistance in reducing the cost of their insurance.
That goes not only for DUIs, but other violations and infractions that place
drivers in the
high -
risk auto insurance
category.
Since an SR22 policy is considered a
high -
risk category and will cost more for the
driver to remain insured, there are ways to save money on this certificate.
If you are a
high -
risk driver, that means you will be unable to purchase the same policies at the same rates as
drivers who fall into the standard and preferred
categories.
Assigned
risk auto insurance is special coverage for
high -
risk category drivers.
Not every catastrophe, such as a single car accident, automatically puts a
driver in the
high risk category, although it can cause your insurance premium to increase.
For a
driver whose history of traffic violations makes him or her fall into a
high -
risk category, it often pays to take a defensive driving course.
Female
drivers which are under the age of 25 are going to be in the
high risk category.
Older
drivers (typically those over 70 years old) face
higher rates and possible classification into the
high -
risk tier of car insurance, because many
drivers in this age
category experience:
Standard is a moderate
risk level and non-standard is a
high risk; usually younger and inexperienced
drivers will fit into this
category.
You could also be placed in the «
high risk»
category of
drivers, which can substantially increase your rates for car insurance.
Insurers classify moderate
risk drivers as standard
category, and place the
highest risk drivers in the non-standard
category.
Failure to carry car insurance that meets or exceeds Kentucky's minimum coverage requirements can result in fines of up to $ 1,000, incarceration for up to 90 days, suspension of your license for up to one year, and placement in the «
high risk»
category of
drivers, all of which can significantly increase your car insurance coverage rates.
You see,
drivers who have had several accidents in the last five years fall under a
high risk category so insurers tend to offer them
higher premium rates.
Some companies cater this solution to
high -
risk driver categories such as young
drivers.