At-risk, or excessive threat drivers, are drivers who’re thought of 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 of 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 shall be larger than the common particular person with a driver’s license. Fortuitously, automotive insurance coverage firms all have completely different definitions for what is taken into account a excessive threat driver, and completely different charges and insurance coverage insurance policies out there.
At Correct Auto Insurance coverage, we provide our purchasers low price auto insurance coverage in Illinois it doesn’t matter what their driving report seems to be like. We additionally present low-cost SR-22 certificates in Illinois for people who’re required to have one with the intention to drive legally within the state.
If you’re looking for low-cost excessive threat auto insurance coverage protection in Illinois, contact the crew at Correct Auto Insurance coverage as we speak to obtain a free prompt quote!
Who’s An At-Danger Driver?
Some components that will make you a excessive threat driver can embody the next:
- Reckless Driving Conviction
- DUI conviction
- A number of Dashing Tickets
- A number of Transferring 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 play a think about whether or not somebody is taken into account an at-risk driver.
There are numerous causes a person is likely to be thought of a excessive threat driver by an insurance coverage provider. Nevertheless, excessive threat drivers aren’t doomed to this label without end so long as they obtain and keep a secure driving report.
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 dedication. For instance, somebody who’s a excessive threat driver as a result of previous DUI convictions could need to pay excessive insurance coverage premiums for years. Nevertheless, a young person who simply obtained their license and has by no means been in an accident ought to now not be thought of a excessive threat driver as soon as they attain a sure age and stage of expertise.
What’s Excessive Danger Insurance coverage?
Excessive threat insurance coverage is particularly designed for top threat drivers. These plans normally have excessive charges and are supplied by insurance coverage firms to purchasers they think about extra prone to be concerned in accidents for one motive or one other, equivalent to little to no driving expertise, a poor driving report, or previous DUI convictions, and so forth.
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 might be thought of a excessive threat driver. SR-22 insurance coverage is required for as much as 3 years in Illinois. Nevertheless, exterior of SR-22, drivers might be thought of excessive threat for wherever from 6 months to 10 years.
Name Correct Auto Insurance coverage for Low Excessive-Danger Automotive Insurance coverage Charges
If you’re looking for reasonably priced automotive 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 as we speak. Our crew is right here that can assist you get again on the highway safely, and at a price you’ll be able to afford!