What Defines a High Risk Driver?

If you pay for an auto insurance policy, you may observe that your premiums go up and down over time. While numerous factors can be responsible for this, most evidently your profile as a driver will assist insurance companies to determine your level of risk as a liability to them.

If you are identified as a “high risk” driver in Georgia, your insurance premiums are probably more expensive than other drivers. The insurer refers to your profile as an indicator of safe and responsible driving. The more they have to cover for damaged property and medical bills, the more you will pay for your auto insurance.
Below are some of the reasons you may be labeled a high-risk driver:

DUI/DWI

  • A conviction for driving under the influence of alcohol and drugs in Georgia will cost you significant amounts of money in fines and penalties. In most states, your DUI conviction sticks with you for a period no less than three years. You can expect to remain classified as a high-risk driver until your driving record is clean.

Serious Accidents

  • Any accident involving an injury or a certain amount of property damage is regarded as a serious accident. For this reason, many insurance companies in Suwanee, Georgia may subsequently portray you as high risk.

Driving Record

  • If your driving record is full of traffic violations and accidents, you qualify as a high-risk driver and therefore face considerably higher car insurance rates. Car insurance companies are generally interested in information from the last five years or more.

New Drivers

  • Due to their lack of experience and car insurance history, new drivers are considered high-risk drivers. Before you renew your high-risk insurance, reach out to Insurance Pro Group, Inc. in Suwanee, GA and review your current policy.

As a high-risk driver, the best way to see a reduction in rates is to strive towards a clean driving record. In the meantime, Insurance Pro Group, Inc. in Suwanee, GA can get you back on the road. Talk with our agents to learn how to start or review an auto policy. Also, try our online rating tool for quotes on auto insurance from home.