At-risk, or excessive danger drivers, are drivers who’re thought-about extra more likely to put in an insurance coverage declare. These drivers might have an extended historical past of automobile accidents, tickets, DUI convictions, or just fall inside a sure age bracket.
Whereas being thought-about a excessive danger driver doesn’t imply you’ll be able to’t drive, have a license, or buy automobile insurance coverage, it does imply that your automobile insurance coverage prices will likely be increased than the typical particular person with a driver’s license. Thankfully, automobile insurance coverage corporations all have completely different definitions for what is taken into account a excessive danger driver, and completely different charges and insurance coverage insurance policies accessible.
At Correct Auto Insurance coverage, we provide our shoppers low value 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 purpose to drive legally within the state.
In case you are trying to find low-cost excessive danger auto insurance coverage protection in Illinois, contact the group at Correct Auto Insurance coverage right now to obtain a free immediate quote!
Who’s An At-Danger Driver?
Some components which will make you a excessive danger 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 automobile 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 likely to be thought-about a excessive danger driver by an insurance coverage service. Nevertheless, excessive danger drivers aren’t doomed to this label eternally so long as they obtain and preserve a secure driving document.
How Lengthy are You Thought of A Excessive-Danger Driver?
How lengthy somebody is taken into account a excessive danger driver will depend on the explanations for the dedication. For instance, somebody who’s a excessive danger driver as a result of previous DUI convictions might should pay excessive insurance coverage premiums for years. Nevertheless, a teen who simply received their license and has by no means been in an accident ought to not be thought-about a excessive danger driver as soon as they attain a sure age and degree of expertise.
What’s Excessive Danger Insurance coverage?
Excessive danger insurance coverage is particularly designed for top danger drivers. These plans often have excessive charges and are supplied by insurance coverage corporations to shoppers they take into account extra more likely to be concerned in accidents for one cause or one other, akin to little to no driving expertise, a poor driving document, or previous DUI convictions, and many others.
In Illinois, excessive danger drivers are sometimes required to acquire SR-22 protection.
How Lengthy Does Excessive Danger Insurance coverage Final?
Excessive danger automobile insurance coverage lasts for so long as you might be thought-about a excessive danger driver. SR-22 insurance coverage is required for as much as 3 years in Illinois. Nevertheless, exterior of SR-22, drivers could be thought-about excessive danger for wherever from 6 months to 10 years.
Name Correct Auto Insurance coverage for Low Excessive-Danger Automotive Insurance coverage Charges
In case you are trying to find reasonably priced automobile insurance coverage and/or SR-22 protection in Illinois, or any considered one of our many service areas, attain out to Correct Auto Insurance coverage right now. Our group is right here that can assist you get again on the highway safely, and at a fee you’ll be able to afford!
