At-risk, or excessive danger drivers, are drivers who’re thought-about extra prone to put in an insurance coverage declare. These drivers could have an extended historical past of automotive accidents, tickets, DUI convictions, or just fall inside a sure age bracket.

Whereas being thought-about a excessive danger driver doesn’t imply you possibly can’t drive, have a license, or buy automotive insurance coverage, it does imply that your automotive insurance coverage prices shall be increased than the typical particular person with a driver’s license. Happily, automotive insurance coverage firms all have completely different definitions for what is taken into account a excessive danger driver, and completely different charges and insurance coverage insurance policies accessible.

At Correct Auto Insurance coverage, we provide our purchasers low value auto insurance coverage in Illinois it doesn’t matter what their driving document seems to be like. We additionally present low-cost SR-22 certificates in Illinois for people who’re required to have one with a purpose to drive legally within the state.

If you’re looking for low-cost excessive danger auto insurance coverage protection in Illinois, contact the staff at Correct Auto Insurance coverage right now to obtain a free on the spot quote!

Some elements which will make you a excessive danger driver can embrace the next:

• Reckless Driving Conviction
• DUI conviction
• A number of Rushing Tickets
• A number of Transferring Violations
• Greater than One At-Fault Accident
• New Driver
• Younger Driver
• Submitting A number of Claims within the Final Few Years
• Lapses in Auto Insurance coverage Protection
• Poor Credit score Historical past
• Driving A Sports activities Automotive or Excessive Worth Automobile

Location and what a driver makes use of their automobile for might also play a consider whether or not somebody is taken into account an at-risk driver.

There are lots of causes a person could be thought-about a excessive danger driver by an insurance coverage provider. Nonetheless, excessive danger drivers usually are not doomed to this label eternally so long as they obtain and keep a protected driving document.

How Lengthy are You Thought of A Excessive-Danger Driver?

How lengthy somebody is taken into account a excessive danger driver will depend on the explanations for the willpower. For instance, somebody who’s a excessive danger driver resulting from previous DUI convictions could must pay excessive insurance coverage premiums for years. Nonetheless, an adolescent who simply acquired their license and has by no means been in an accident ought to now not be thought-about a excessive danger driver as soon as they attain a sure age and degree of expertise.

What’s Excessive Danger Insurance coverage?

Excessive danger insurance coverage is particularly designed for prime danger drivers. These plans normally have excessive charges and are supplied by insurance coverage firms to purchasers they contemplate extra prone to be concerned in accidents for one purpose or one other, corresponding to little to no driving expertise, a poor driving document, or previous DUI convictions, and so forth.

In Illinois, excessive danger drivers are sometimes required to acquire SR-22 protection.

How Lengthy Does Excessive Danger Insurance coverage Final?

Excessive danger automotive insurance coverage lasts for so long as you’re thought-about a excessive danger driver. SR-22 insurance coverage is required for as much as 3 years in Illinois. Nonetheless, outdoors of SR-22, drivers might be thought-about excessive danger for wherever from 6 months to 10 years.

Name Correct Auto Insurance coverage for Low Excessive-Danger Automotive Insurance coverage Charges

If you’re looking for reasonably priced automotive insurance coverage and/or SR-22 protection in Illinois, or any considered one of our many service areas, attain out to Correct Auto Insurance coverage right now. Our staff is right here that will help you get again on the street safely, and at a fee you possibly can afford!