Having your car insurance company label you as a high risk driver is the kiss of death for your auto insurance rates. Lucky for you, it doesn’t have to be that way forever. Just because you have a bad driving record and are paying high rates, doesn’t mean you will always have to. To stop being labeled a high risk driver is easier than you think.
The definition of a high risk driver
Finding out why your car insurance company considers you high risk is the first step in figuring out how to get off of it. Take a look at your driving record and you’ll probably have a good idea about how you got on the list.
- Having your license for less than 5 years and being young and inexperienced.
- Getting convicted of a traffic violation like speeding, running red lights, etc.
- Being responsible for an accident within 5 years
- Being convicted of a DUI within 7 years.
Getting off the list
If anyone of those describes your driving record then you probably already know how expensive car insurance is for you. You have the hardest time getting insurance for a rate you can actually afford. The good news is that time heals all and will help you to get cheaper insurance rates.
Here’s what you can do to get you out of high rates and into cheaper ones.
- Most traffic violations come off of your record within 3 to 5 years. This means that if you stay out of trouble for that long then you’ll see a good decrease in your rates. A lot of insurance companies give a 5 year good drivers discount. So you’ll have that as a plus after your traffic violations fall off of your traffic record.
- Whatever your states law is regarding DUI’s on your record, it won’t matter because the impact it has on your rates will fade over time. So again, stay clean and in no time your rates will start to go down.
- Signing up for a driver improvement course will also help you score points with your insurance company. Everyone appreciates people that take an initiative.
Being high risk isn’t the end of the world. Just keep your head down and stay out of trouble and you’ll be a safe driver sooner than you know.