It is okay not to have a perfect driving record. Many drivers have points for speeding tickets and other minor traffic violations. However, you may find it difficult to get affordable auto insurance quotes if you are classified as a high-risk driver. Although you should know in advance if you receive this classification, you may learn about it when you try to buy a new policy.
Being classified as this type of driver can be difficult to change. It can take as long as seven years to get points removed from your driving record. That is seven years of paying much higher rates for required insurance. Insurers traditionally consider the following to be higher risk than other drivers:
Over 70 - as you age, your reflexes slow down which can make you a dangerous driver, especially if you drive on heavily traveled roads.
Under 20 - teen drivers are considered high-risk because they do not have sufficient experience to respond safely to different road conditions.
Insurers may have additional criteria they use to determine if a driver is high risk or not. You can ask your insurer how they make that decision if you believe your rates have increased because you have been designated as this type of driver.
Many insurers will not sell you a policy if you are a high-risk driver. For those that do, you may find you simply cannot afford a policy based on the auto insurance quotes you receive. Consider the following solutions when you are a high-risk driver, need a policy, and require lower rates:
It is clear how auto insurance quotes can help if you have been deemed a high-risk driver. You need to see what types of policies are available from different insurers. Then compare rates to find a policy you can afford.
Before requesting auto insurance quotes, you should determine the type of coverage you need and how much coverage you can afford. Learn about coverage options and policy add-ons that can provide extra protection.
Certain drivers are required to pay more for coverage. Find out how you can still get competitive auto insurance quotes if you have been classified as a high-risk driver.
Insurers consider many factors when setting rates for coverage options. An important one that is often overlooked by drivers when getting auto insurance quotes is their credit score.