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Drivers should avoid being classified as high-risk by insurance companies. The premiums paid by high-risk drivers can be very high, and especially for those who are required to carry full coverage. Usually, persons who are more likely to cause accidents are considered high-risk.
High-risk drivers are classified as such for the following reasons:
- Drivers with major traffic violations. Drivers who are involved in at-fault accidents or are caught driving while being intoxicated are very likely to be considered high-risk by the insurance providers.
- Drivers who have both tickets and at-fault accidents. One traffic violation is enough for a driver to be considered at a higher risk than someone with none. Some insurers offer special options that will forgive one or a few tickets and accidents. Drivers that are filing claims are more likely to be considered high-risk. In some cases, the insurance rates will go up even if a driver completes a claim for a no-fault accident. All of these unpleasant premium increases can be avoided by drivers if they purchase accident forgiveness.
- Drivers with no prior insurance. Drivers who just purchased their insurance are considered high-risk. To get rid of this label, new drivers need to be continuously insured for at least six months.
- Bad credit score. One of the most important factors used by the insurers in order to determine the driver's insurance premiums is the credit score. Drivers with a really poor credit score are considered high-risk by the insurance providers.
- Teen drivers. The statistics show that teen drivers are more likely to be involved in car accidents. For this reason, insurance carriers classify teen drivers as high-risk.
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