How Car Insurance Companies Qualify a Driver as
Every state requires car owners to have car insurance. In fact, if
you are caught without car insurance, you might be facing legal charges. So it is best that you abide with
the law and have your car insured. This is one of your duties as a car owner. When it comes to
responsibilities, car owners are always advised to drive carefully to avoid accidents. However, despite all
the precautions and rules that are given to them, they still manage to go against these laws. For car
insurance companies, this is where the problem starts.
There are two types of driver, the safe drivers and the reckless
drivers. The involvement of the driver and how they drive their car is important when it comes to getting car
insurance. Keep in mind that insurance companies have their own scale of the risk that you give them. If you
cannot avoid driving while intoxicated or you love over speeding, then expect that these companies will
consider you as high-risk drivers. Trust me, even if it is as simple as beating the red light and you got a
ticket for it, you will fall into the high risk category among these companies.
Another way in which you can be called as high risk is when you
have a bad credit reputation. Car owners whose credit scores are low will be considered as high risk by car
insurance companies. This will prove to them that you cannot pay your bills on time and you are most likely
to have claim applications in a short span of time. Keep in mind that these insurance companies love to keep
their customers who are low risk while they tend to skip the ones with bad payment records. So it is best
that you keep your credit scores high at all times if you don’t want to be in this
Your age and sex can also affect your chances of being placed in
this category. Teenagers and males are usually paying more expensive premium rates compared to female
drivers. This is because statistics show that both teenage and male drivers are more prone to accidents
compared to female drivers. So if you are below 20 and of the male sex, expect that you will not be paying
lower premiums while you are in this bracket. Another thing to remember is that, first time drivers are also
placed on high risk as they don’t have any experience driving yet. So be aware of these things before you
apply for car insurance.
Remember that when you are applying for car insurance, your
background is being checked. Not only that, your driving history is also important. So if you have a number
of speeding tickets, accidents while intoxicated and the likes, it is a sure fire that you will be considered
as high risk. You will be offered a different kind of policy compared to the regular ones but don’t worry.
High-risk insurance is offered by all car insurance companies and you are not the only person who is included
in this list. There are many car owners who have been categorized as high risk and it has been increasing
over the years.
You may fall in these areas but there are always ways in which you
can lessen your rates. All you need to do is to prove to your insurance provider that you can be trusted to
drive safely and you can give them your commitment. Do this and the next you will know, your premiums will
slowly go down.