If you’re searching for a new auto insurance policy and the company or agent tells you you’re “high risk” what exactly does that mean and what can you do to improve that?
While there is no real definition of what a high risk driver is, high risk drivers typically fall into one of the following categories:
- Too many speeding tickets or moving violations
- Accidents on their CLUE report
- Suspended driver’s license
- DUI/DWI or other major violations like reckless driving
- Excessive Speed violation
- Fatal accident history
Even if you don’t fit the criteria listed above, you may still experience higher than normal insurance premiums because of your:
- Credit history
- Age (new driver or elderly)
- Exotic or Sports car
- Lapse in your insurance coverage
Being a high risk driver does mean you’ll experience higher premiums. Additionally, many insurance companies will refuse to insure you or limit your available coverage you may purchase. The best remedy to fixing your high risk status is to clean up your driving habits. Over time you can regain your status as a preferred driver and get better insurance premiums and more choices.
Heuer Insurance Agency in Sparks has worked with a variety of clients in the Reno area over the years and we are confident in our ability to meet your personal or business insurance needs. We understand how important an insurance policy can be and we take time to match each of our clients with the perfect insurance policy. Whether you are looking for auto insurance, renters insurance, homeowners insurance, or life insurance we can help you. Not only can we provide you with each of these personal insurance policies, but we can also help you find a general liability policy, workers compensation policy or commercial building insurance policy. Give us a call at 775-358-5554 or visit us.