| Are you searching for car insurance quotes but | | | | in total, no matter what the convictions, you are |
| are being discouraged because your auto | | | | placed into the high risk category. And, I really do |
| insurance broker or agent keeps telling you that | | | | mean any tickets, from speeding, to stop sign, to |
| they cannot insure you because you are | | | | traffic light, to passing a school bus. And, it doesn't |
| considered "high risk?" Don't be discouraged. There | | | | even matter if you lose demerit points; a ticket's |
| are insurance brokers that deal specifically with | | | | a ticket. |
| high risk drivers. And, your insurance rates | | | | Accidents: Any time you have two at-fault |
| probably won't be as bad as you think. You just | | | | accidents in a six-year period of time you are |
| need to seek out the insurance companies that | | | | considered a higher risk. And, it doesn't even |
| specialize in these drivers. | | | | matter what the extent of damage was. You |
| I wrote this article to help explain what is | | | | could have a collision with $100 in damage or you |
| considered high risk when it comes to auto | | | | could have a collision with $25,000 in damage; it |
| insurance. This will help you realize what you must | | | | doesn't matter - each accident is considered as |
| do to have this label removed. Now, every state | | | | one, and only one, accident. So, if you rear end |
| and every province is a little different when it | | | | someone, it is your fault; if you slide off the road |
| comes to defining a high risk driver. So, if you are | | | | due to weather conditions, it is your fault |
| in Toronto, Ontario, the rules will be different then | | | | (weather conditions is not a good excuse), if you |
| if you are in San Diego, California, and of course it | | | | hit someone while making a left turn, it is your |
| will be different if you are in Denver, Colorado. No | | | | fault. |
| matter where you are in Canada or The United | | | | Insurance cancellations: Insurance companies take |
| States all regions have the same general theme. | | | | into account if prior insurance companies cancel |
| Here are the characteristics of what makes | | | | your auto insurance policy. Any time you've been |
| someone a "high risk" driver: | | | | cancelled due to things such as non-disclosure of |
| Serious and major convictions: A serious or major | | | | important information or material |
| conviction would include tickets such as impaired | | | | misrepresentation you'll be considered high risk. |
| driving, careless driving, vehicular manslaughter, | | | | For this reason it is important not to lie when |
| driving without insurance, or driving without a | | | | getting auto insurance quotes. Your lies could |
| license. A driver that has one or more of these | | | | affect you financially. Also, any time you've had |
| convictions is considered by the insurance | | | | two or more cancellations due to non-payment of |
| company to be flagrantly careless and, so, is put | | | | insurance premiums, many companies may put |
| into a high risk category. | | | | you in the high risk category. |
| Multiple convictions: Once you hit three convictions | | | | |