DUI High Risk Car Insurance
Reader’s Question:
My cousin had been convicted of DUI and because of that he’s paying so much on his premium. He said he is considered a high risk driver by his car insurance company. I’m a new driver and there are a lot of things I don’t know about car insurance. How does one become a high risk driver in Nampa, ID?
Chad
Nampa, ID
In general, when a person has been convicted of serious traffic offenses such as Driving under Influence (DUI), auto insurance companies considered them as high risk to be insured.
Being a high risk driver depends mainly on your driving record. So let’s say you’ve been involved in several vehicular accidents, particularly if that resulted to significant liability against you, then you are considered as someone that is risky to be insured. Getting several speeding tickets, will also make one a high risk driver. But being convicted of DUI like what happened to your cousin is the worst nightmare that could happen to any drivers. When my brother was caught drunk driving in Nampa, ID, he was fined of not more than $1000 and his license was suspended for 180 days.
Although, I’ve mentioned that being a high risk driver is dependent on your driving history, having a fancy sports car make you a high risk driver too. Also, having a poor credit history, gender (males are considered to be risky to be insured as compared to females), age, (teenagers are high risk driver as compared to adult drivers) and place of residence (living in an urban area is less safe than in rural areas) are also some of the factors that makes one a high risk driver
There are some factors that you cannot control that makes one a high risk driver. But one of the things you can do not to be tagged as one is to make sure you drive safely. Maintaining a clean driving record will surely make you get lower premiums. It’s one great way of saving money and saving your life also.
16 Year Old Student Car Insurance – I Need Cheap Insurance!
Reader’s Question:
Hey Guys, I am only 16 years and I have a learners permit in Lansing , MI . I would like to be added to my father’s auto insurance policy so I can drive my new vehicle but I can’t find an auto insurance company that will insurer that will do that for me without charging an arm and a leg. Does anyone have a recommendation for student car insurance coverage in the Lansing area? Where can I find an insurance company that will insure me in Michigan?
Ben
Lansing , MI
You should be able to be added to your father’s auto insurance policy as an additional driver without any real problems, I don’t see why you would have an issue there. It would be your father’s insurance policy that would add you to his car insurance policy. I had a cousin in Flint MI that got his own auto insurance policy in his name but he had to get a legal guardian to co-sign for him because he was not 18 and still a minor. Another way is to obtain another car insurance policy for you and your father on your new vehicle or with his car and your car together.
You can easily get an online rate quote for great car insurance in Michigan from this site, and I would encourage you to do so. When you do, make sure you ask about a student discount and a limited use discount, both of which you are probably eligible.
Some car insurance companies will give good students…or I should say students with good grades a discount. I am not sure about your grades, but nonetheless you should inquire about a student discount of some kind, just because you ARE a student or at least I hope you are at your age.
A limited use discount means you are only going to drive your vehicle short distances and to and from school or other regular routes. I would assume your vehicle sits in the school parking lot most of the time during the day and at night it is in dad ’s garage. If you are only going to be driving these short distances you probably are eligible for this kind of discount as well. Every little discount helps!
You can easily get car insurance for your vehicle in Lansing , Michigan , dont worry. Some Michigan insurers may require that you be the policyholder if the car is under your name only. Some insurance companies will allow your father to insure it for you. Others will even allow your father to insure his car on the same policy.
If you have decided that you will purchase your own insurance policy, your father will need to confirm the policy coverages along with you because you are a minor.
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