Car Insurance in Eugene, OR

I’m Considered a High Risk Driver – What Can I do to Change That?

Car Insurance for high risk drivers in Eugene, ORIf you’re searching for a new auto insurance policy and the company or agent tells you you’re “high risk” what exactly does that mean and what can you do to improve that?

While there is no real definition of what a high risk driver is, high risk drivers typically fall into one of the following categories:

  1. Too many speeding tickets or moving violations
  2. Accidents on their CLUE report
  3. Suspended driver’s license
  4. DUI/DWI or other major violations like reckless driving
  5. Excessive Speed violation
  6. Fatal accident history

Even if you don’t fit the criteria listed above, you may still experience higher than normal insurance premiums because of your:

  1. Credit history
  2. Age (new driver or elderly)
  3. Exotic or Sports car
  4. Lapse in your insurance coverage

Being a high risk driver does mean you’ll experience higher premiums. Additionally, many insurance companies will refuse to insure you or limit your available coverage you may purchase. The best remedy to fixing your high risk status is to clean up your driving habits. Over time you can regain your status as a preferred driver and get better insurance premiums and more choices.

If you have questions about your auto insurance or want a quote, call LeDoux Insurance Agency. LeDoux Insurance Agency is committed to improving the quality of our community by insuring your life’s hard work. Setting a standard of excellence, our professional staff will help you understand your current and future risk exposures by building a lifelong relationship. Our clients can be confident in the proven stability and years of insurance experience. LeDoux Insurance Agency is dedicated to continuous improvement through the use of technology in order to provide the most comprehensive and cost effective solutions for your insurance needs.