A poor drivers record may cause your auto insurance to be denied by insurance providers. However, even though you are being denied traditional auto insurance, there are still some things that you can do. Due to the fact that you are considered to be a high-risk driver, you can expect to pay increased auto insurance premiums. However, so long as your license isn’t suspended and you are capable of driving, you should be granted auto insurance.

What Classifies Me As a High- Risk Driver?

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It doesn’t take a lot for an insurance company to see you as a high-risk client. Having claims on your record that were not your fault can raise your premiums. In fact, they can actually cause your insurance company to leave you if you have enough claims on your record. The more risk you carry, the more likely it is that your insurance company will drop you. When this occurs, it is important to realize why. A high-risk client can be categorized as high risk due to traffic offenses, impaired driving, speeding tickets, and even because of insurance fraud. Fortunately, these things do come off your record at some point. You might want to check to see how long it is going to take so that you can choose the right length of insurance policy. As soon as these things are off your record, your premium should drop drastically.

What Do I Do If I Have Been Denied Auto Insurance?

Unfortunately, in Canada, you cannot drive without auto insurance. This means, that you’re going to have to shop around in order to find someone to take you on. It is important to realize that you’re likely going to have to pay a higher price for your insurance premium. The only way that you might not have to pay a higher price for your insurance premium is if your insurance company dropped you for no reason. In all likelihood, however, you’re going to have to talk to a number of high-risk automobile insurance companies. These companies specialize in offering insurance to high-risk clients. Getting things like high liability coverage from these providers might prove to be difficult, but at least you can get auto insurance.

How Do I Shop for Auto Insurance Coverage?

Even though you are a high-risk client, you should still be able to shop around for auto insurance coverage. In Canada, there are a ton of high-risk auto insurance providers. In all likelihood, there will be more than one insurance provider who is willing to provide you with insurance. The plan might not be available at a price that you want to pay, however, it is highly unlikely that you will be denied coverage if you shop around. If you are having some trouble, you could always contact an insurance broker who could shop around for you.

What Do I Do If None of The High-risk Providers Will Provide Me with Insurance?

If it has come to the point where you cannot get insurance from any auto insurance providers, you’re going to have to talk to the facility Association. The facility Association is a nonprofit organization that helps to make sure that everyone in Canada, that is eligible to drive, can get insurance. The facility Association will work with you and make sure that you get auto insurance coverage. Unfortunately, if you have to get insurance coverage here, you’re going to have to pay a huge auto insurance premium. However, at least you will be able to drive.

How Long Will It Take for My Drivers Record to Become Clean?

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Unfortunately, if you have violations on your record, it can take some time for them to come off. Depending on what you have on your record, it can take up to six years for your record to become clean. Generally, it takes three years for any tickets to come off of your record. It can take even longer if you have demerit points on your record, which are sure to negatively impact your insurance premium. If you have any accidents on your record, they will take six years to come off. These long penalties are in place to help promote safe driving across Canada. The higher insurance prices that you get hit with after a violation are something that all Canadians are aware of. This is done on purpose and it helps to keep the roads safer for everyone across the country.

How Do I Get the Lowest Auto Insurance Premium Even Though I Am a High- Risk Driver?

To be able to get the lowest auto insurance premium, your best option is to call a bunch of insurance companies in order to be able to get the best quote. If you have a house or something else that you can insure along with your vehicle, you could try to bundle it. Your auto insurance provider might offer you a discount. On top of bundling, you could also raise your insurance deductible. This lowers the risk for your insurance company and they might be more likely to take you as a client. Finally, to get the lowest auto insurance premium you could also pay for your auto insurance upfront. However, you have to make sure that you can afford it. This will allow your insurance company to have less risk. The lower the risk an insurance company has, the more likely they will accept you and your money.

High- Risk Driver Auto Insurance Cost

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If you are a high-risk client, you might be wondering how much you’re going to have to pay for auto insurance. On average, Canadians that have two or fewer violations in the past three years will end up paying 25% more than someone who has no violations. To put this in perspective for you, if you are currently paying $175 a month for your auto insurance premium, if you have a few violations, you’re going to have to pay around 218.75 dollars a month.

To Conclude

Not being able to get auto insurance coverage can be stressful. When insurance companies are not willing to take you on, you might feel frustrated and annoyed. It can take some time to get auto insurance quotes and it can definitely take some time to convince an insurance company to take on a high-risk client. Insurance companies are in the business to make money, which is what you have to remember. Attempt to negotiate with the insurance companies you are speaking to and offer things like higher deductibles and paying for your insurance upfront if that is possible. Worst case scenario, you can contact the facility Association and get insurance that way.

Resources:

https://www.dmv.org/insurance/what-to-do-if-an-auto-insurance-company-denies-coverage.php
https://quotewizard.com/auto-insurance/what-to-do-if-you-are-denied-car-insurance
http://www.facilityassociation.com