What is a High risk Driver and High Risk Insurance?

How do insurance companies define a high risk driver?

Each insurance company will generally set their own definitions for what high risk is. That said, there are some common threads that generally define high risk. For starters, if you have a DUI, you are high risk. Other reasons include at fault accidents as well as having driving tickets or non-payments on your record. Ultimately, a combination of the above factors could also qualify you as a high risk driver. If you're a high risk driver, call Ensurco’s licensed advisors who will help you save on high risk insurance rates.

How much is high risk car insurance?

High risk car insurance is going to cost you more than regular insurance. When an insurance company insures you, they do so with increased rates. To give you some context, someone with one accident may pay 30% more than someone without. A high risk driver may see premiums double or even triple based on driving record. One of the reasons that contribute to this higher rate is that fewer insurers are willing to insure you. One of the best ways to find good high risk insurance is to compare car insurance quotes. Ensurco's insurance advisors can compare rates of over 30 certified insurers in Ontario.

How can I manage and improve my high risk driver status?

It's important to know that if you are currently a high risk driver, you need to talk to us to develop a plan to get you out of the high risk pool.  It starts with slowing down and avoiding accidents.  No question that your past mistakes are impacting your present rates.  Unfortunately we can't change the past.  However, do yourself a favour, pick up the phone and call us.  We guarantee that time spent with an Ensurco Insurance advisor will ultimately save you money.  We'll get you back on track with some suggestions and tips. Ensurco is one of Ontario’s leading auto insurance brokers for high risk drivers. Let us help you get the best high risk insurance rates! Call or complete an online quote today and we'll respond with some favorable quotes within a few minutes!

Can I find cheap high risk car insurance?

The best way to find cheap car insurance after an accident is to use an insurance broker. An insurance broker can get you a car insurance quote from many insurers. You can then find which one offers the cheapest car insurance rates! Talk to one of Ensurco’s licensed advisors for all your insurance needs.