DUI High Risk Car Insurance Company In Idaho
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 Idaho?
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.
Will Teen Driver Speeding Ticket Increase Parent Insurance Rate
Reader’s Question:
My teenager son just had his first traffic ticket. And I fear that it will affect the rate of my insurance policy in Manchester, NH since he is under my name. Is it going to cause my insurance to go up?
Rey
Manchester, NH
Yes. No matter which side of the coin you look at, having a traffic violation always means one thing – negative impact to the insured driver.
When my teenage daughter had her second speeding ticket, I was shocked on the increase in my car insurance policy. My rate increased from 50% – 150%. When she got her first speeding ticket, we used the deferment program for the first time and just paid the ticket. With this, given that my daughter does not get her second speeding ticket within the year, her traffic violation will be removed from her record, so my insurance company will never know about this. But unfortunately, she does it again within the same year. So my car insurance charged me with higher rate, more than I could imagine.
But you should know that such increase does not apply if your son was caught driving going 20 miles or more than the speed limit. Brace yourself, because you’re just up to paying even higher premium to your auto insurance.
It’s always important to remember that having a clean driving record is a significant factor on keeping our premium low. Teenagers should know the value of being a responsible driver. After that incident, I demanded that my daughter pay her share in our auto insurance. Since then, gone are the speeding tickets.
Why Should I Lower My Car Insurance Deductible?
Reader question:
What is the effect on your car insurance premium if you lower your auto insurance deductible?
Amy
Good question, Amy.
The greatness of the effect of a lowering of your car insurance deductible on your premium depends a lot on what good of a driving history you have. For example, someone who has a very good driving record would not have as much of a negative effect from lowering their car insurance deductible as someone who already has a couple of speeding tickets under the belt. Why is that? Mostly it is because the way the car insurance company charges you for your auto insurance premium depends mostly on how likely you are to get into a car accident, so if you have a five hundred dollar deductible for a good driver premium, it’s not as big a deal that they would have to pay more on the off chance that you get into an accident in which you are at fault, because it is very unlikely that you will get into such an accident. Do you see what I mean?
However, it does not matter so much how good your record is if you want to keep your auto insurance premium low, because regardless, if you lower your car insurance deductible then your premium will go up. It just might go up less if you lower it with a good driving record.
One thing you should remember before lowering your car insurance deductible is that raising the deductible is one of the best ways for you to save money on your car insurance. It is one of the things that I always suggest to people who want to do so. Before you consider lowering your deductible, think about why you are doing it. Do you not want to be inconvenienced out of the higher deductible if you get into an accident? Think about the fact that higher premiums will inconvenience you out of way more money than a one time deductible. Don’t go ahead with lowering your car insurance deductible unless you know for a fact that you would be unable to afford to pay the higher one if you ever got into an at fault car insurance accident.
Cheers,
Fashun Guadarrama.
What Kind Of Car Insurance Should I Buy? What Do I Need?
Reader question:
Do car insurance companies insure the same types of drivers?
Anne
Nope.
Most drivers fall into a risk pool called standard, and this is what most car insurance companies provide coverage for with no hassles. An average driver is someone who perhaps, over the course of their life, has gotten a few tickets (but not too many) and possibly one no fault accident, someone who has a car that is considered safe and whose qualities, such as age and so on, would put them in a class that is not likely to get into an at fault traffic accident. These people are fairly cheap to insure, and most insurance companies have no problem doing so. To find out how easily you an get insurance, try getting a cheap free auto insurance quote and you’ll see which group you fall in.
Then there are the preferred drivers. These are accepted by all insurance companies, and have no problem to get free auto insurance quotes that are cheap and acceptable. Preferred drivers are people at the top, who have perfect driving record, no accident history, are in demographic groups that are unlikely to get into car accidents and the like. They are extremely cheap to insure, and so these companies usually have lower car insurance premiums.
Then there are those at the end of the scale, who for some reason or another are considered very high risks. It could be because they have a specialty car, or it could be because of a DUI violation or several speeding tickets. Whatever the case, there are special companies that offer car insurance to people who are considered high risk. These companies tend to be pricier.
However, there are some people who are unable to get insured with any of these companies because of just how high risk they are. If this is the case, there are risk pools in every state which assign them to a company for a much higher price than a normal car insurance policy will be.
Cheers,
Fashun Guadarrama.
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