{"id":395,"date":"2023-01-27T20:06:00","date_gmt":"2023-01-27T20:06:00","guid":{"rendered":"https:\/\/www.freeway.com\/knowledge-center\/?p=395"},"modified":"2023-09-22T05:39:12","modified_gmt":"2023-09-22T05:39:12","slug":"what-makes-you-a-high-risk-driver","status":"publish","type":"post","link":"https:\/\/www.freeway.com\/knowledge-center\/auto\/high-risk-auto-insurance\/what-makes-you-a-high-risk-driver\/","title":{"rendered":"Who Will Insure a High Risk Driver: A Guide"},"content":{"rendered":"\n

High-risk drivers are considered a greater risk to insurance companies due to their past driving record or other factors such as age, driving history, accident history, traffic violations, or a DUI conviction. As a result, they may face difficulty finding affordable car insurance coverage<\/a>. It is important for high-risk drivers to have car insurance as it protects them financially in case of an accident and also ensures that they are following the legal requirements for driving in their state. Having car insurance also provides peace of mind, as it can cover the costs of repairs, medical bills, and liability expenses. <\/p>\n\n\n\n

First of all, let’s summarize what a high risk driver is:<\/p>\n\n\n\n

Who Will Insure a High Risk Driver?<\/strong><\/h2>\n\n\n\n

To an insurance company, a high-risk driver is one who has a higher than normal possibility of filing a car insurance claim. You could be considered high risk for many reasons, ranging from a spotty driving record to a DUI conviction to causes that are no fault of your own, such as your age.<\/p>\n\n\n\n

Have you been labeled a high-risk driver<\/a> by a car insurance company? Whatever the reason you\u2019re given, the result is that your auto insurance is much higher than the average driver is paying.<\/p>\n\n\n\n

The good news is that car insurance for high-risk drivers<\/a> doesn\u2019t have to be more than you can afford to pay. You can find affordable coverage that fits your needs regardless of your driving record or past decisions if you shop around. At the same time, you can take steps to end your high-risk status and earn lower rates eventually.<\/p>\n\n\n\n

Let\u2019s start with an understanding of what it means if you\u2019ve been called a high-risk driver.<\/p>\n\n\n\n

What is the Difference between a High Risk Driver and a Low Risk one?<\/strong><\/h2>\n\n\n\n

A high-risk driver is a person who is considered to be at greater risk for accidents, claims or traffic violations based on their driving history, demographics, type of vehicle, and other factors. This may include drivers with a history of DUI or reckless driving, drivers under 25 years old, and those who have multiple speeding tickets or accidents on their record.<\/p>\n\n\n\n

A low-risk driver, on the other hand, is someone who has a clean driving record, a safe and responsible driving style, and does not pose a significant risk of accidents, claims or traffic violations. This may include drivers who have a long history of safe driving, are over the age of 25, and drive a car that is equipped with safety features.<\/p>\n\n\n\n

Insurance companies use this information to determine how much to charge drivers for insurance coverage, with high-risk drivers typically paying more than low-risk drivers.<\/p>\n\n\n\n

Young drivers are considered high-risk by insurance companies due to their lack of experience and higher likelihood of getting into accidents. As a result, they often face higher insurance premiums. It’s important for young drivers to have proper car insurance coverage to protect themselves and others on the road. <\/p>\n\n\n\n

This includes liability insurance, which covers damages to other vehicles or property, and collision insurance, which covers damages to their own car. Uninsured motorist coverage can also be useful in case of an accident with a driver who doesn’t have insurance. Comprehensive insurance, which covers theft or damage from natural disasters, is also recommended. By having a comprehensive insurance policy, young drivers can ensure that they are fully protected in case of an accident or unexpected event.<\/p>\n\n\n\n

What Driving Factors Make You a High-Risk Driver?<\/strong><\/h2>\n\n\n\n

The many reasons drivers fall into a category where they must obtain high-risk coverage include some that might be totally out of their control. Here are a few leading reasons that explain why you might be identified as a high-risk driver.<\/p>\n\n\n\n