3 Factors That Make You a High-Risk Driver
At first glance, the term “high-risk driver” seems self-explanatory. These are individuals who, in theory, are more dangerous behind the wheel. As a result, auto insurance companies offer them higher premiums to better cover the cost of any accidents the driver might get into. What makes a high-risk driver? Some of the factors that make you a high-risk driver are obvious, such as breaking traffic rules or causing accidents. Others, however, are beyond the driver’s control. Learn about the various types of high-risk drivers with this overview.
Your Driving Record
It makes sense that a poor driving record leads to insurance companies labeling you as a high-risk driver. Serious traffic violations—such as driving with a suspended license or causing accidents—will deal a heavy blow to your driving record. However, multiple minor infractions, like speeding or driving without insurance, can also add up on your record. Some states have a point system on their licenses. If you obtain too many points during a set period, you’ll see your insurance premium go up.
Age and Life Circumstances
You can be a responsible driver with a clean driving record, but insurance companies will still think of you as high-risk if you fall into certain life categories. Young drivers typically have higher premiums due to their inexperience. On the other hand, senior drivers will often see their insurance costs increase because many older drivers face physical and mental impairments that make it harder to drive. Where you live and what you drive are also relevant factors that make you a high-risk driver. Older vehicles that have had a lot of problems are less safe than newer, more reliable models. Additionally, drivers in accident-prone areas—such as big cities with large numbers of insurance claims—often have higher insurance premiums than those who live in lower-traffic areas.
Driving Under the Influence
Staying sober behind the wheel is one of the most important traffic rules. If you drink and drive, there’s a good chance the state will suspend your license. Even after you reinstate your license, your insurance company will find out about the incident and declare you a high-risk driver. In addition to a higher premium, you might face an SR22 insurance requirement, alcohol education programs, and other consequences.
If you’re a high-risk driver who needs SR22 insurance in California or any other part of the United States, Serenity Group is here to get you back behind the wheel. Navigate the intricacies of your increased premium to find the most affordable policy. Once you work through your SR22 insurance and other requirements, you can get back to enjoying your life on the road without the extra penalties and expenses that come with being a high-risk driver.