Are You Considered a High-Risk Driver?
Are You Considered a High-Risk Driver?
If you have a history of accidents or traffic violations, you may be considered a high-risk driver. This means that you may have to pay higher insurance premiums.
Here are some of the factors that can make you a high-risk driver:
- Accidents: If you have multiple accidents on your record, you will be considered a high-risk driver.
- Traffic violations: Traffic violations, such as speeding tickets and DUIs, can also make you a high-risk driver.
- Young age: Young drivers are more likely to be involved in accidents than older drivers.
- Old age: Older drivers may also be considered high-risk due to health problems or slower reflexes.
- Poor credit: Drivers with poor credit may also be considered high-risk.
If you are considered a high-risk driver, there are a few things you can do to get the best auto insurance rates:
- Shop around: Get quotes from multiple insurance companies to compare rates.
- Take a defensive driving course: This can help you improve your driving skills and lower your rates.
- Maintain a clean driving record: Avoid accidents and traffic violations.
- Increase your deductible: This can lower your premiums.
- Bundle your insurance: If you have other types of insurance, such as homeowners insurance, you may be able to get a discount by bundling them together.
If you are a high-risk driver, it is important to get the best auto insurance rates possible. By following these tips, you can save money on your insurance premiums.
Contact us today to get a free quote.
Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder
Search All Blogs
Read More Blogs
Slow Cooker Immunity: Nourishing Your Body with Winter Comfort Foods
Fight the mid-winter slump! Easy slow-cooker recipes packed with immune-boosting spices and ingredients to keep your family healthy in late January.
Accountability in the New Year: Auditing Employee Risk for Workers’ Comp and Liability
Get back to basics! Mid-January is the time for mandatory safety refreshers and HR audits to manage Workers’ Comp and General Liability risk in 2026.
The Mid-January Check-Up: Why Scheduling Your Life Insurance Exam Now Locks in the Best Rate
Don’t delay the exam! Schedule your Life Insurance paramedical exam in mid-January to lock in your best rate and complete your application process quickly.
Used Car, New Coverage: Insuring Your Post-Holiday Vehicle Purchase in January
Just bought a used car? Don’t forget to update the VIN, transfer your coverage, and check if you need higher Medical Payments limits.
The Mid-Winter Meltdown: Protecting Your Home from Aging Furnace and Water Heater Failure
Mid-January system failure is costly. Learn why standard home insurance doesn’t cover your broken furnace and why you need an Equipment Breakdown endorsement now.
The Great Indoor Escape: Launching Your Mid-January Reading Challenge
Swap the screen for a spine! How to launch a simple, rewarding mid-January reading challenge to improve focus and beat the winter blues.
Cyber Traps of Tax Season: Securing Your Business Data with Cyber Insurance
Tax season is phishing season. Protect your sensitive financial data and employee W-2s with robust Cyber Insurance coverage against targeted tax fraud.
Tax Season Lifeline: Why January is the Time to Secure Estate Liquidity with Life Insurance
Tax season is here. Use Life Insurance to create tax-free liquidity for your estate and protect your family business from forced asset sales.
The Debt-Deductible Dilemma: Aligning Your Auto Policy with Post-Holiday Finances
Did holiday spending deplete your savings? Reconsider high auto deductibles—you might not be able to afford the out-of-pocket cost if you have an accident now.
Deep Freeze Defense: Essential Home Insurance Prep for January’s Peak Winter Storms
Don’t wait for the blizzard. A mid-January guide to using your Home Insurance to protect against peak winter storm damage, from ice dams to power outages.