All you need to know about high risk driver insurance
One of the toughest things to live with if you’re a driver is being high risk. The classification results in higher premiums, tougher restrictions, and fewer options. Naturally, the classification is a result of your own doing BUT it does not need to be the end of the world. You can still find cheap high risk insurance as a high risk driver and one day remove the classification. At isure, we believe honest people deserve a second chance. In this article, we’ll be answering as many high risk driving questions as we can.
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How to mange your high risk driving insurance
As a leader in the high risk driving insurance market in Ontario, isure helps people like you. We know that living with a high risk driving record can be stressful. That’s why we find affordable high risk insurance rates and help you manage your high risk driving insurance. We make ourselves available 24/7 to answer any questions you may have about high risk insurance. It’s our hope that together, we can get you on the path to risk-free driving!
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Common Types of Accidents and High Risk Auto Insurance
Most accidents occur due to the negligence of the driver or negligent care for the vehicle. These accidents can be avoided!The more accidents you are involved in,the more your auto insurance rates might be. Worse still, you could become listed as a high risk driver. High risk auto insurance is generally more expensive & harder to obtain than normal auto insurance.
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High Risk Insurance after a DUI
One of the most common reasons to be labeled a high risk driver is if you have been issued a DUI. Finding cheap high risk insurance after a DUI can be difficult. Many insurers do not work with high risk drivers, and the ones that do are sometimes difficult to find. It’s why you should request a high risk insurance quote through isure. We have access to dozens of the top insurers in Ontario, including ones that will insure a driver after a DUI.
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Impact of at fault accident on auto insurance
If you have been in an at fault accident, you may have questions about what that means for you. Will your insurance premiums go up? Will I become a high risk driver and need a high risk auto insurance? What about accident forgiveness? And how does an insurance company determine who is at fault in an accident? With two or more at fault accidents on your record, you are likely a high risk driver. High risk insurance is offered by fewer insurers than general insurance providers.
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Top reasons why you should use an insurance broker
Insurance brokers are intermediaries that negotiate deals with many different insurance companies. As they have access to many insurance providers, they can find many options to get you the best coverage at the best price. Insurance providers calculate rates based on a variety of conditions. They include age, location, insurance needs, and many other factors. Instead of having to contact each of them, an insurance broker checks them ALL and reports the best. That, is reason enough to be using insurance brokers for all your high risk insurance needs.
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Cancellation for non-payment and high risk auto insurance
Non-payment or failure to pay is one of the most immediate ways to have your insurance policy canceled. A non-payment can also result in your insurance premiums going up. If you have any combination of the following, you could be labeled a high risk driver. These include: non-payments, driving tickets, at fault accidents or many claims. High risk insurance costs more than regular insurance, sometimes up to 5 times as much.
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Speeding tickets and high risk insurance
You will become a high risk driver if you are in many accidents and/or have received many driving tickets. As the name suggests, insurance companies label someone a high risk driver if they show a higher risk than other drivers. If you are considered high risk, your access to cheap auto insurance is limited. Instead, you must seek out high risk auto insurance. High risk insurance premiums are higher than regular auto insurance .
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High Risk Insurance Discounts
As a high risk driver, you already know how expensive high risk auto insurance can be. Being labeled as high risk by your insurance company after a few mistakes is life changing. Premiums go up, options for insurance providers go down. But that said, there are some ways to access to high risk insurance discounts! These discounts aren't going to make high risk auto insurance affordable, but they will help you out while you work to repair your driving record.
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New Drug-Impaired Driver Laws Being Proposed
The Ontario government proposed a set of new and updated driving laws on any drug-impaired driver. The reason for the change is to modernize the current laws to be harsher, stronger and include drugs in their enforcement. While these proposed drug-impaired driver laws are a good start, DUI, or Driving Under the Influence is something that all drivers are likely aware of. If you are guilty of a DUI, you will be labeled as a high risk driver. High risk insurance is often expensive and harder to get than normal insurance.
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High Risk Auto Insurance