At-risk, or excessive threat drivers, are drivers who’re thought-about extra prone to put in an insurance coverage declare. These drivers could have an extended historical past of automotive accidents, tickets, DUI convictions, or just fall inside a sure age bracket.
Whereas being thought-about a excessive threat driver doesn’t imply you’ll be able to’t drive, have a license, or buy automotive insurance coverage, it does imply that your automotive insurance coverage prices will probably be increased than the typical particular person with a driver’s license. Luckily, automotive insurance coverage corporations all have completely different definitions for what is taken into account a excessive threat driver, and completely different charges and insurance coverage insurance policies accessible.
At Correct Auto Insurance coverage, we provide our shoppers low price auto insurance coverage in Illinois it doesn’t matter what their driving document appears like. We additionally present low cost SR-22 certificates in Illinois for people who’re required to have one with a view to drive legally within the state.
If you’re trying to find low cost excessive threat auto insurance coverage protection in Illinois, contact the workforce at Correct Auto Insurance coverage right now to obtain a free immediate quote!
Some components that will make you a excessive threat driver can embrace the next:
- Reckless Driving Conviction
- DUI conviction
- A number of Dashing Tickets
- A number of Shifting Violations
- Greater than One At-Fault Accident
- New Driver
- Younger Driver
- Submitting A number of Claims within the Final Few Years
- Lapses in Auto Insurance coverage Protection
- Poor Credit score Historical past
- Driving A Sports activities Automotive or Excessive Worth Automobile
Location and what a driver makes use of their car for may additionally play a think about whether or not somebody is taken into account an at-risk driver.
There are various causes a person is perhaps thought-about a excessive threat driver by an insurance coverage provider. Nonetheless, excessive threat drivers will not be doomed to this label eternally so long as they obtain and keep a protected driving document.
How Lengthy are You Thought of A Excessive-Danger Driver?
How lengthy somebody is taken into account a excessive threat driver depends upon the explanations for the willpower. For instance, somebody who’s a excessive threat driver attributable to previous DUI convictions could must pay excessive insurance coverage premiums for years. Nonetheless, an adolescent who simply acquired their license and has by no means been in an accident ought to not be thought-about a excessive threat driver as soon as they attain a sure age and degree of expertise.
What’s Excessive Danger Insurance coverage?
Excessive threat insurance coverage is particularly designed for prime threat drivers. These plans normally have excessive charges and are supplied by insurance coverage corporations to shoppers they take into account extra prone to be concerned in accidents for one purpose or one other, corresponding to little to no driving expertise, a poor driving document, or previous DUI convictions, and so on.
In Illinois, excessive threat drivers are sometimes required to acquire SR-22 protection.
How Lengthy Does Excessive Danger Insurance coverage Final?
Excessive threat automotive insurance coverage lasts for so long as you’re thought-about a excessive threat driver. SR-22 insurance coverage is required for as much as 3 years in Illinois. Nonetheless, exterior of SR-22, drivers will be thought-about excessive threat for anyplace from 6 months to 10 years.
Name Correct Auto Insurance coverage for Low Excessive-Danger Automotive Insurance coverage Charges
If you’re trying to find inexpensive automotive insurance coverage and/or SR-22 protection in Illinois, or any one in all our many service areas, attain out to Correct Auto Insurance coverage right now. Our workforce is right here that will help you get again on the street safely, and at a fee you’ll be able to afford!