Posts Tagged ‘high risk driver insurance’

High Risk Driver Auto Insurance

Monday, May 14th, 2012

No one ever wants to be labeled a high risk driver, but there comes a time when your luck just runs out and you can no longer deny that the stack of tickets you’ve received lately qualifies you as a risk pool driver. Even if you’re confident driving at high speeds or you feel that you were not at fault for the last accident, auto insurance companies see that there is a pesky black “bad luck” storm cloud following you around — and insuring you is costing them more. So, you may ask, “Are exorbitant rates just part of my future? Or is there something I can do to pay less, even though I’m a high risk driver ?”

Drive Smart.

If you’re going to be drinking, take a cab or public transit. Do not text while driving or try to “gun it” through a yellow light. Always signal when changing lanes and be sure you pause a full two seconds at stop signs, while looking both ways. Use cruise control, whenever possible, to avoid the temptation to speed — especially on the highway. Always give yourself a 3-second following distance behind vehicles. Once you have no tickets or accidents for 3 years, you can expect your auto insurance rates to come down to a reasonable level.

Manage Your Money.

Did you know that some auto insurance companies look at your credit score when determining what type of rate to give you? Do your best to improve your money management and bring in added income, if necessary. Mark your insurance payment due dates on your calendar in advance, so you know when you’ll need the money to pay your bill on-time.

Shop For Quotes.

The auto insurance market is extremely competitive. Since companies all have their own secret algorithms for determining risk, you can find tremendous deals by calling around. Better yet, why not take a couple of quick minutes and get a free, no-obligation quote online?


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Are you a high risk driver? Shop our auto quotes today and start saving.

New Brunswick Car Insurance and Facility Association

Monday, September 27th, 2010

The Facility Association is an insurer of last resort. Drivers who are not able to arrange coverage elsewhere can get it with the assistance of the Association. The Facility Association is not an insurance company and does not issue policies directly.

Insurance companies in New Brunswick, as other provinces and territories, are members of the Facility Association. Through this membership, they are able to share the risk associated with providing coverage to the small percentage of drivers who are unable to buy a policy from an individual company.

People who get their car insurance through the Facility Association will pay higher premiums than those who who are not at high risk. Being a risky driver isn’t a permanent situation. An car insurance company will consider your driving record for the past six years in the case of an accident. A conviction for a traffic offense stays on the record for three years.

To arrange coverage as a high-risk driver, contact an insurance agent or broker to ask for a quote. You can and should still shop around to make sure you are getting the best deal for your situation. The Facility Association’s involvement with your application is done behind the scenes, and you will still be dealing with a particular insurance company once your policy is issued.