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We can always tell a good driver from a bad driver, when it comes to insurance premiums good drivers will tend to pay less than bad drivers. There are companies out there willing to insure bad drivers even if they are high risk. Every city in this state may have these kinds of drivers and insurance companies have come up on a good deal for them. Continue reading to determine whether you are a high risk driver and to learn how to obtain an affordable car insurance policy.

What is a High Risk Driver?

A high risk driver is considered as someone that may have factors causing the car insurance premium to be used immediately thus will cause loss to an insurance company. Age is a common factor to determine whether you are a high risk driver or not. But age is not the only variable, there are also other variables to consider to determine whether you are a high risk driver. Listed below are the determined variables:

  • Car accidents is a variable in determining if you are a high risk driver.  Being prone to accidents mean that you tend to be more reckless and insurance companies will have to pay for every damage you may cause.
  • Traffic violations can be a variable in determining if you are a high risk driver. The more the tickets, the premium rate also increases.
  • Having a sports car may also mean that you are a high risk driver since you would tend to drive faster rather than having a modest car.
  • Drivers who have less experience in the road can also be considered as a high risk driver.
  • Being a motorcycle driver can also make you a high risk driver because you tend to take your chances in driving.
  • Professional drivers and stunt drivers are also considered as high risk drivers but not because of their driving record but because of their occupation.

Other Variables to Consider

Aside from your driving record and occupation there are also other variable to consider in determining a high risk driver. High risk drivers can be determined in the list below:

  • Beginners may be considered as one of the variables for high risk driver.
  • Drivers who are 25 years of age are also included.
  • Credit rating and credit history of the driver is also a variable in other states.
  • History of earlier claims in insurance will also be investigated whether if the driver is the cause of such accident, more than once.

SS2R Insurance

This insurance is issued to a driver in order that his/her suspended driver’s license can be reinstated and can run from three to five years. When this kind of certificate is issued, it means that the driver has paid the minimum liability and if the coverage is canceled, no longer maintained or neglected then the DMV will be notified. This insurance is usually necessary for:

  • Drivers that has incurred numerous DWI/DUI violations, tickets or drivers that were convicted
  • Reckless driving
  • Drivers who have not been carrying their insurance or had been stopped for other road violations

Suggestions

Surfing the internet can help you search for insurance companies which offers insurance policies to high risk drivers. Other companies can give their quotation online and through this you can already compare prices. Being a high risk driver, you must avail insurance immediately for your own safety.

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car insurance quotes online comparison australia     auto insurance quotes and comparison


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