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High Risk Drivers.
High risk drivers are the people auto insurance companies fear the most. They are
higher proned to get into more accidents than most people, thus, these
individuals pay higher premiums. There are several things that determine if you are
a high risk driver:
1. Your Identity
Insurance companies are legally allowed to profile their customers. Your sex, age, and
location all determine your status.
2. Driving Record
This is a major one. A simple ticket can raise your premiums by 25% or more, especially
for teenagers. The more accidents (many times, regardless of fault) and speeding tickets,
the larger of a "danger trend" the insurance company will start to see with you.
3. Previous Coverage
Auto insurance companies will look to your past insurance coverage to see why you're interested
in their company to begin with (since, obviously, you have to have had insurance prior
to using them, if you're not a first-time car owner). They may think that you were dropped
by the previous company you were with (which, usually, there had to be a reason).
Lowering Your Risk.
There are a few things you can do. For starters, paying your bill on time does help.
Aside from this, cleaning up your driving record (no speeding tickets or accidents) for
a solid period of time, taking a Drivers Education course, and purchasing an older vehicle,
will all lower your risk in the eyes of the insurance company you are with.
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