Insurance Experts Explain Who Is Considered A High-Risk Driver

LOS ANGELES, Nov. 19, 2020 /PRNewswire-PRWeb/ -- Insurance companies classify drivers into 3 main risk categories: Preferred, Standard and High-risk. Policyholders placed in the third category pay really expensive premiums, to compensate for the higher risk of making a claim or missing payments.

    --  Drivers with a high number of traffic violations are considered
        high-risk. People with multiple traffic violations in the recent 3-5
        years are likely to be placed in this risk category. At-fault accidents
        and DUI/DWI convictions will automatically make a person be labeled this
        way. Investing in Accident Forgiveness programs will help drivers avoid
        rate increases after the first at-fault accident.
    --  Even a lapse in coverage of just a few days will negatively impact
        future premiums. Insurance companies prefer clients that had continuous
        coverage over the course of years. Companies ask about recent coverage
        lapses before issuing coverage.
    --  People with a low credit score are also considered riskier to insure.
        Most insurance companies take into consideration a client's credit score
        when determining rates. Drivers with poor FICO scores should look for
        ways of improving their creditworthiness.
    --  Teens are automatically considered high-risk drivers. Persons between 16
        and 25 years old are considered high-risk, due to their lack of
        experience behind the wheel. However, teens can get a series of
        discounts, like a good student discount or for leaving the car at home
        during the academic year.
    --  Seniors over 65 years old are also labeled "high-risk". According to the
        CDC, there are higher chances of being involved in accidents after the
        age of 65. Diminished sight and hearing, plus medication will impair a
        person's driving capabilities. is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

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