Has your insurance company deemed you to be a risky driver? And now all of the sudden, that cheap auto insurance isn’t that cheap anymore? Do you even know what you did (or didn’t do) to be deemed a risky driver?
An insurance company always looks at what kind of risk a client will pose to them financially, aka, cost them money. When it comes to cheap auto insurance, there are two categories of high-risk drivers:
- Inexperienced, young drivers (teenagers)
- DUI Offenders (drinking while under the influence of alcohol or drugs)The inexperienced, young drivers are the most common. Looking at stats from years of studies, you’ll see that these drivers are the ones that are more likely to be in or cause an accident. If a teen keeps their driving record clean, when they turn 25, the cost of their insurance usually drops. The DUI offenders are the second group and usually have multiple speeding tickets and are prone to have more accidents.
If You’re A Risky Driver – You’ll Pay For It
Because these 2 groups are considered risky, they cost more for an insurance cop and often expensive to insure. This is because the chance of the insurance provider having to pay for repairs, medical bills, and property damage is much higher. To cover themselves financially, they must charge higher rates to those more likely to wind up in an accident.
However, you don’t necessarily have to pay that higher rate forever. You will have the opportunity to find cheaper auto insurance if you can prove to your insurance company that you are a responsible and safe driver. One of the things you can do is take a defensive driving course. Call or visit your local DMV office for more information on that process.
Another way to help get yourself off the risky driver list is to buy a car that has the reputation for being a safe car and has the latest safety features. While it may seem like it isn’t much, things like air bags, automatic safety belts, and anti-lock brakes will do a lot to lower your insurance costs.