subject: Who Is Included In Auto Insurance For High Risk Drivers [print this page] We are all aware that drivers considered to be at a higher risk will pay higher costs for their auto insurance coverage, but who exactly is included. You may be surprised to find out just how many categories of this type of driver there are, and how the insurance rates are calculated for these individuals. Continue reading and find out who is included in auto insurance for high risk drivers.
Some people are considered to be a higher risk, because of the insurance company they choose. With some insurance companies, if you are seventy years or older, then you fall into this category. If you are in this age group, and are checking quotes online, be sure the company you choose does not include you as a higher risk just because of your age.
Unfortunately, if you are under twenty, most insurance companies consider you a high risk. You will not have a great deal of options in this category. Having a clean driving record is probably the only discount that will apply here.
We are all aware that a poor driving record is going to result in higher insurance rates. One example of a poor driving record is a suspended or revoked license. Depending on the state in which you live, there are certain types of coverage that must be carried in order for you to drive again. Certain companies specialize in those types of policies.
A history of accidents will of course cause you difficulty with any insurance company. You many not only have unbelievably high rates, but it is possible that you many not be able to get coverage. You may really have to do some shopping around if your driving record is extremely poor.
Driving violations can be just as damaging to your record as accidents. A company may base their decision on whether to insure you on the number or the severity. Your insurance rates will definitely be higher.
Illegal driving incidents will of course put you in the high risk category. Whichever insurance company you choose, may be required by the state in which you live to provide proof of your coverage and notify them if you have a lapse in coverage within a required period of time. The state can also mandate how much coverage you should carry in this instance. The amounts of coverage and length of notification periods will vary from state to state. Many insurance companies can provide this type of coverage, and may even be able to cover you the same day you apply.
by: Lance Thorington
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