Who are “High-Risk Drivers?”
Car insurance premiums are influenced by a number of things, from your age to your driving record to your medical history. The term “high-risk” driver (or “non-standard“ in insurance lingo) refers to individuals who are considered significantly more likely to be involved in an accident due to one or more of these factors.
For instance, inexperienced and teenage drivers generally face higher premiums, as do drivers with multiple violations on their record. DWI and DUI arrests can be especially influential in landing you in this category.
Dealing with Auto Insurance
If you have checked out your driving record, available from your local Department of Motor Vehicles, and think you might constitute a high-risk driver, there are several steps you can take to obtain the best possible insurance rates:
- First of all, take care of any and all outstanding fines or pending violations. This move will significantly increase your appeal to insurance companies, as it indicates responsibility and the desire to properly acknowledge the consequences of your actions.
Taking a driver’s safety course is another way to show the sort of initiative insurance companies appreciate in determining premiums.
Find a lower-value vehicle or one with automatic seatbelts and airbags, which can result in a discount.
Finally, do some in-depth research: contact the DMV for more information on improving your driving skills, and call the top insurance companies in your area to learn more about the best deal available to you.
Contact Us
Being labeled a high-risk driver can carry serious financial consequences. To find out how best to deal with this situation, call the Chicago car insurance specialists at Insure on the Spot today at 888-972-7283.
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