Factors That Make A Person A High-Risk Driver

Check our list with factors that make a person a high risk driver.  Also, get free car insurance quotes. So, the main factors are:

  1. autoNEW - cheap-auto-insuranceDriving a very powerful car. If you have bought a really powerful car, with an impressive number of horsepower, expect to also pay an impressive car insurance premium. Insurance companies speculate that the owner of a powerful car will surely be tempted to hit the pedals to the floor. After all, when you buy a Ferrari or a Lamborghini, you do not always want to travel with 40mph. Having a very fast car increases the risk of being involved in a car crash and thus makes you a high risk driver.
  2. Having a not so clean driving history. Insurance companies pay a particular attention to a potential customer’s driving history. If you have been fined many times for speeding or illegal parking, you could expect to have a bit higher rates for some time. But if you were caught with DUI or you caused and accident or more, you will surely be classified as a high risk driver. If you have such problems, you should first talk with a lawyer and see how many minor felonies can be expunged from your records. Otherwise the price of auto insurance will be burdening.
  3. Being a teen driver. Unfortunately, being a teen has some surprising disadvantages. And one of them is related to auto insurance. Car insurance companies consider teen drivers as high risk drivers, because they do not have sufficient skills.  Still, if you are a teen, you can get the rates a bit lower if you graduate defensive driving courses or you are a really good student.
  4. The car you want to insure is not really that safe. Before buying a car, check how safe it really is. Also, try to avoid models involved in recent scandals, like those owning Takata airbags or the models involved in the recent Volkswagen scandal.

 

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