When driving a car, the end goal is always to get from point A to point B in the safest, most efficient way possible. But sometimes, people don’t drive as safely as they could. In some cases, drivers may be considered “high-risk,” which means they may have a more difficult time finding cheap car insurance in Illinois or other areas. Insurance companies may choose to deny coverage of high-risk drivers, as these individuals have a higher risk of filing a claim.
There are multiple ways drivers can obtain a “high-risk” status. Individuals who have been convicted of driving while under the influence of drugs or alcohol (DUI/DWI) will classify you as a high-risk driver. These serious convictions usually stay with drivers for at least three years. Other factors that contribute to obtaining a high-risk status include excessive speeding, illegal street racing, reckless driving, driving without a license or any traffic violation that results in a fatality.
Driving a certain car may put you into the high-risk category as well. If your car is an exotic car, a sports car, a supercar or a collectible car could put you at risk.
Take Advantage of Our Cheap Car Insurance in Illinois
Every situation is different. We can help determine whether or not you are a high-risk driver. Contact Accurate Auto Insurance if you have questions or want to take advantage of our cheap rates.