There are a variety of factors that come into play when insurance companies determine how much your auto insurance premium will be. Those who have been labeled as high risk drivers often have trouble finding an affordable policy, let alone coverage altogether sometimes. If you have experienced or been involved with one of the following, you will need a high risk auto insurance policy, which may prove to be costly:
- Those who choose to drive a vehicle while under the influence of alcohol or drugs have proven themselves to be a high risk driver. Drivers who have a DUI or DWI under their belts will have difficulty finding an affordable auto insurance policy.
- If you have an extreme number of traffic violations on your driving record, you will likely have to purchase a high risk auto insurance policy in order to receive coverage. Drivers who receive multiple traffic violations are riskier drivers by nature and are therefore more likely to get into car accidents, hence the more expensive policy.
- While being under 25 may not require to purchase an exclusive high risk auto insurance policy, it does put you in a unique category of inexperienced drivers. You will likely experience a price hike in your auto insurance premium if you add a young driver to your policy.
- Many drivers who have a DUI on their record are classified as SR-22. These drivers must fill out an SR-22 form in order to receive access to their driving rights again. SR-22 also makes it so that the DMV can monitor the risky driver.
- If you are found without auto insurance due to a lapse in coverage, insurance companies belittle your level of responsibility.
- If you have a history of missing payments and your credit report shows this to be a common trend, you will be labeled a riskier driver.
- If you get in multiple accidents and your claims history continues to pile up, your auto insurance provider may require you to switch to a high risk auto insurance policy.
Contact us today and allow us to help you with your high risk auto insurance policy. With locations in both Banning and Beaumont, California, the insurance experts at Little & Sons Insurance Services can guide you in all of your Calimesa auto insurance endeavors.
There are a variety of factors that come into play when insurance companies determine how much your auto insurance premium will be. Those who have been labeled as high risk drivers often have trouble finding an affordable policy, let alone coverage altogether sometimes. If you have experienced or been involved with one of the following, you will need a high risk auto insurance policy, which may prove to be costly:
