Call Us 630-830-4500 ☰ ˟
Logo
Call Us: 630-830-4500
Español
  • Main Menu
    • Home Page
    • Refer a Friend
    • Join Our Newsletter
    • Important Links
    • Insurance Glossary
    • Our Locations
    • Contact Us
    • Privacy Policy
  • Get A Quote
    • Auto Insurance
    • Business Owners (BOP)
    • Commercial Auto Insurance
    • General Liability Insurance
    • Motorcycle Insurance
    • Watercraft Insurance
    • Workers Comp Insurance
  • Locations
  • Resources
    • Customer Service
    • Payment Options
    • Report A Claim
  • Contact Us
  • About Us
    • Refer A Friend
    • Join Our Newsletter
    • Our Carriers
    • Blog
Auto Icon

Auto

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home Icon

Home

We browse through a wide variety of coverages and find the right one for you.

Learn More
Business Icon

Business & Commercial

We browse through a wide variety of coverages and find the right one for you.

Learn More
Motorcycle Icon

Motorcycle

We browse through a wide variety of coverages and find the right one for you.

Learn More
RV & Boat Icon

RV & Boat

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home > Blog > Are You a High Risk Driver?
THURSDAY, MARCH 31, 2022

Are You a High Risk Driver?

It shouldn’t come as a surprise to you that insurance providers calculate auto insurance rates based on the level of risk you present as a customer. In short, the more likely you are to cost the company money, the higher you’ll pay for coverage. But what does it take to be classified as a high risk driver?happy couple holding keys to new car

Being uninsured: Auto insurance is required of every driver in every state. If you’re caught driving without insurance, the consequences could be worse than a mere ticket. Once you go to find an auto insurance policy, you may get turned away by several insurers because driving uninsured is a big risk factor. Additionally, you may be required to file an SR-22 form, which allows the DMV to keep tabs on you to ensure you remain insured. However, SR-22 coverage is often much pricier than regular coverage. You can avoid these outcomes by maintaining your car insurance at all times.

Driving violations: A minor incident every now and then may not have much of an impact on your insurance, but getting in multiple accidents and/or being fined with multiple tickets can sure make a difference. If you accrue over six points on your record, you may be faced with SR-22 coverage. Luckily, you can avoid this issue by adhering to speed limits, traffic signs and generally practicing safe driving skills.

Drunk driving: Driving under the influence of drugs or alcohol is a serious offense that can put lots of people in harm’s way. Many insurers will not tolerate this behavior and will drop your policy if you’re convicted of a DUI/DWI. However, you’ll still need to find coverage—likely SR-22 coverage—with an insurer that does work with high risk drivers, often with a higher price tag. Once again, this can be avoided by simply choosing not the get behind the wheel after drinking. Instead, appoint a designated driver, call a cab or crash with a nearby friend.

Do you still have questions about SR-22 auto insurance and how it will affect you if you’re required to get it? Our agents are here to help!

We’re here for you. Call Alteza Insurance Agency at 630-830-4500 for more information on auto insurance.

 
Posted 5:17 PM

Tags: auto insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020

  • insurance(6)
  • auto insurance(4)
  • renters insurance(3)
  • general liability(3)
  • auto(2)
  • home insurance(2)
  • coverage(2)
  • homeowners insurance(2)
  • business insurance(2)
  • autumn(1)
  • liability(1)
  • interruption(1)
  • homeowners(1)
  • health insurance(1)
  • recreational vehicle insurance(1)
  • life insurance(1)
  • belongings(1)
  • general liability insurance(1)
  • property(1)
  • business(1)
  • commercial auto(1)
  • commercial(1)
  • winter(1)
  • driving(1)
  • car(1)
  • boat insurance(1)
  • policy(1)
  • preparations(1)
  • costs(1)
  • commercial insurance(1)
  • atv insurance(1)
  • farm insurance(1)
  • commercial auto insurance(1)
  • winter tips(1)
  • renters(1)
  • home(1)

View Mobile Version

Contact Us Today!
630-830-4500

Social Social Social Social

Resources

  • Products
  • Customer Service
  • Payment Options
  • Report a Claim
  • News
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us

Contact Us

1807 West Irving Park Rd
Hanover Park, IL 60133

P: 630-830-4500
© Copyright. All rights reserved. | Powered by Insurance Website Builder