"high risk" driver when trying to get insurance?
2006-09-19 14:47:07 · 11 answers · asked by itsasecret 2 in Cars & Transportation ➔ Insurance & Registration
Yes. Get married and it will drop.
2006-09-19 14:50:31 · answer #1 · answered by Anonymous · 0⤊ 0⤋
The major factor that will influence your insurance would be the lapse in coverage over that span. I would shop around for the best rate from many different sites. If you have had insurance coverages over the past 3 years you should not be a high risk driver get a quote at http://www.surfquotes.com and you will be able to see your rating after getting your quotes.
2006-09-20 00:13:21 · answer #2 · answered by Anonymous · 0⤊ 0⤋
a high risk driver is usually classified high risk due to age, young men under twenty-five, young women under twenty-one older people such as sixty-five or older, and those who have had more than two accidents, two or more moving violations, and a few other factors.
not having driven for three years would not classify you as high risk, just don't tell the insurance agent that or they may deny you coverage. otherwise, not having driven, no detrimental records from the state would appear on your driving record when the insurer gets it.
2006-09-20 02:55:44 · answer #3 · answered by de bossy one 6 · 0⤊ 0⤋
Accidents are what put people in the high risk category. If you are 25 or over, you should be considered in the same light as any other licensed driver.
2006-09-19 21:50:58 · answer #4 · answered by Anonymous · 0⤊ 0⤋
there's more to ratings than risk, it also takes into account....have you had a valid license (not the insurance)? the longer you drive the lower your rates are typically (with no violations of course) You have just been a person who had no need to drive...you have less time behind the wheel...compared to someone the same age yet, they have those 3 extra years of experience. That may qualify him for lower rates and not you.
Also certain underwriting requirements are different with different companies....call around!
ratings are typically set by how long you have been licensed to drive not your age....
2006-09-19 22:21:52 · answer #5 · answered by Chef Susy--Cookin it up! 4 · 0⤊ 0⤋
Having a long insurance history does qualify you for lower rates with many companies, however it does not count as high risk.
2006-09-20 00:59:47 · answer #6 · answered by PeppermintandPopcorn 3 · 0⤊ 0⤋
yes,if you do not have proof of insurance for a least a 6 month period you are considered high risk even if you did not drive or have a car.
2006-09-21 13:21:24 · answer #7 · answered by katzgto67 2 · 0⤊ 0⤋
If your driving record is good you can probably still get a good rate. It won't be as good as someone with 6 mths prior coverage, but there are decent rates to be found.
2006-09-22 17:44:56 · answer #8 · answered by mei-lin 5 · 0⤊ 0⤋
Yes.
Some companies make exceptions if you've been overseas in the military.
2006-09-20 11:13:08 · answer #9 · answered by Anonymous 7 · 0⤊ 0⤋
NO. JUST A HIGH RISK WHEN IT COMES TO ASKING DUMB QUESTIONS.
2006-09-19 21:50:01 · answer #10 · answered by I LOVE EWE N MEI 1 · 0⤊ 0⤋