There are many auto insurance types in the market, and the coverage will usually depend on your vehicle and driving record. These are factors that will affect your auto insurance eligibility.
- Driving record
- Mileage
- Insurance history
- Vehicle customizations
If you are a high-risk driver, you will need more than the conventional auto insurance provided by most companies. High-risk drivers require a special kind of coverage; it’s called high-risk auto insurance.
Unlike regular drivers, if you are a high-risk driver, you might find it challenging to shop for high-risk car insurance on your own. Some companies do not offer policies for high-risk drivers. So it will be challenging to find the best auto insurance for you. You might not be able to find the right level of coverage. And you might purchase a plan that’s too expensive for what you need.
How do I know if I am a high-risk driver?
It will all depend on the severity of your driving record. You can check if you are a high-risk driver by answering the questions below:
- Do you have a poor driving record?
- Have you ever received traffic violations (traffic tickets) and suspensions (DUI cases)?
- Have you ever had a vehicular accident on the road?
- Did you experience insurance non-payment?
You would be a high-risk driver if you answered Yes to most or all of the questions listed above.
Will I always be a high-risk driver?
No, being a high-risk driver is not a life sentence. However, if you improve your driving record, you will lose your high-risk driver status. And in return, this will help reduce your insurance rates.
What can I do to improve my high-risk driver status?
You can check high risk auto insurance options by visiting Young Insurance Brokers Inc. They offer a Sweet Lemons plan that will give you the best high-risk car insurance. And at the same time, they will develop an actionable plan to help get you out of your high-risk driver classification.
What’s a Sweet Lemons plan?
A Sweet Lemons plan helps to remove your high-risk driver status and at the same time bring down your insurance rates. The Sweet Lemons plan will still depend on your current driving record, but it will include the following:
All about high-risk insurance: You will learn about the recovery process of your driving record and insurance record. You will know what to do to make you less of a risk for auto insurance companies.
On-time payments: Paying on time will ensure a clean record. So you will always have to stay on top of your auto insurance payments.
Low-risk vehicles: You can opt to drive low-risk vehicles or cars with a low-risk profile. As of 2021, these are the cheapest cars to insure in Ontario.
- Chevrolet Spark LS
- Nissan Micra
- Mitsubishi Mirage
- Hyundai Accent 5-Door
- Kia Rio 5-Door
- Toyota Yaris Hatchback
- Hyundai Venue
- Hyundai Elantra
- Kia Forte
- Mazda 3 Sedan
Expired tickets removal: Removing your tickets and accidents from your driving record when they are about to expire will help decrease your insurance premium
Staying claims-free: When your driving record improves, your high-risk driver status will be removed, and at the same time decrease your insurance rates.
Young Insurance Brokers Inc. offers a multilingual service. They provide high-risk auto insurance services in English, Spanish, Italian and Polish. Their insurance brokers have at least two decades of experience in auto insurance. Furthermore, they work with many insurance companies to find the best plan for you.