High Risk Auto Insurance
There are a number of insurers in provinces around Canada that provide high risk auto insurance. You may have become a driver who now requires high risk auto insurance as a result of careless driving, traffic tickets, impaired driving or street racing. Either way, you still have a number of options to remain insured on the road.
Below is a list of insurers that offer high risk auto insurance:
- Sweet Lemon Insurance
- Insurance Hero
- 2nd Chance Auto Insurance
- HMS Insurance
- Idea Insurance
Some cars and drivers are simply more likely to get into accidents than others. And the fact that they’re high risk is reflected in their car insurance premiums.
Your driving record will determine if you need high risk car insurance. if you’ve been convicted of driving under the influence of drugs or alcohol or have multiple speeding tickets or at fault accidents, you may be placed in a high risk category, requiring special high risk auto insurance. Accidents or tickets vary by province as to the time period they are counted for rate purposes.
Getting out of the high risk insurance group may take some time. Even if you need high risk auto insurance now, here are some steps you can take that may lower your cost:
- Follow all traffic laws. 3 years without a ticket may decrease your insurance premium.
- Drive defensively. Avoid an accident for six years or more and you may be eligible for some discounts.
- Find a car model with a better safety record and features.