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One of the toughest things to face is if you’re labeled a high risk driver. This classification results in higher premiums, tougher restrictions, and fewer options. Naturally, it’s a result of your own doing BUT it does not need to be the end of driving as you know it. You can still find cheap insurance as a high risk driver and eventually, remove the classification. Below, we’ll be answering as many high risk driving questions as we can.

WHAT IS A HIGH RISK DRIVER?

A high risk driver is someone who has been in events that an insurance company considers ‘risky’. Essentially, it means that you seem more likely to be involved in an incident requiring a pay out. Events that can get you listed as a high risk driver include:

  • Being a new driver or a young driver
  • Having been in two or more minor traffic incidents
  • If you have been in one or more major accidents, such as drunk driving, high speeding, stunt driving, etc.
  • Having been the cause of two or more at-fault accidents
  • If a previous insurer cancels your insurance
  • If you have a license suspension
  • Having many tickets for a variety of offenses

CAN I GET INSURANCE AS A HIGH RISK DRIVER?

Yes, you can get insurance as a high risk driver. Unfortunately, you will pay more than the average driver, but it is possible. Your best course of action is to submit a high risk auto insurance quote with isure. We check with many of our insurer partners to find the best rate for you.

IS THERE CHEAP INSURANCE FOR HIGH RISK DRIVERS?

In truth, there is no such thing as cheap insurance for high risk drivers. That being said, there is cheaper insurance with certain providers compared to others. To find the cheapest high risk insurance, you’ll need us to compare rates with a variety of our partner providers. When you submit a quote, we get results from some of the best insurance providers in the country.

HOW CAN I SAVE MONEY AS A HIGH RISK DRIVER?

You can definitely save money as a high risk driver. While insurance premiums can be high, these simple suggestions will sometimes help you save. The first thing you should do is consider paying your insurance up front. In some cases, there may be a slight discount to do so. You can drive one of the safest cars on the roads, have an active theft alarm, and even refrain from driving to and from work. All these things help to reduce your premiums and save you money.

HOW LONG DOES A CAR ACCIDENT STAY ON MY DRIVING RECORD?

Accidents and other traffic violations remain on your driving record for three years. As such, it is possible to clean your record and get better rates after long-term proof of safe driving.

CAN MY EXISTING INSURANCE COMPANY CANCEL MY POLICY BECAUSE I AM HIGH RISK?

Yes. When your policy comes up for renewal, an insurance company can choose not to renew with you. In most cases, if an insurance company decides to cancel your policy it is due to one of two reasons:

  1. The term of the policy has elapsed or
  2. You make too many claims according to their internal standards

If you have an active policy and the insurance company is choosing to cancel it, that can also be because of the following two reasons:

  1. You may be late in your payments
  2. You left out important details when acquiring the policy

In either case, an insurance company needs to provide notice that they are cancelling the policy. If personally served, they can cancel within five days, while through mail it can be made effective in 15 days.

HOW CAN I CHECK MY DRIVING RECORD?

Tickets hurt your ability to access cheap auto insurance in Ontario. If you want to see your driver’s record, you can order one online.

At isure, we believe honest people with bruised insurance records deserve a second chance. For many of the country’s big insurers, their answer will always be ‘no”. We don’t think that’s right, and that’s why we offer the largest range of high risk insurers of any insurance broker across the country. Let’s make sure you are covered and stay on the road while your driving record recovers to normal status once again.

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