Navigating the complex landscape of automobile insurance in Ontario can be a daunting task, particularly if you’ve been labelled a ‘high-risk’ driver. This status can significantly impact your insurance premiums and the availability of coverage options. But how long does this ‘high-risk’ label stick with you, and more importantly, what can you do about it?…
Traffic convictions have a significant impact on your car insurance rates, based on the severity of the conviction. There are three main tiers of traffic convictions: minor, major, and severe (criminal). Understandably, many drivers will get one or two minor convictions here and there. However, the major and severe convictions are the ones to avoid,…
How High Risk Car Insurance Works in Ontario Insurance providers tend to charge higher premiums for high risk drivers as they anticipate filing more claims than average. You can avoid becoming high-risk by staying out of trouble while driving and keeping your rates as low as possible. Standard auto insurers usually allow one at-fault accident…
How to Get High Risk Auto Insurance in Ontario Finding affordable car insurance premiums when classified as a high risk driver can be challenging. But there are ways you can cut down costs – like using a high risk broker. Work to improve your driving record to help move yourself back down into lower risk…
If you’ve been caught speeding by a camera, you’re probably wondering if your car insurance rates will go up. The good news is that in most cases, a speed camera ticket won’t have an impact on your car insurance rates. However, there are some exceptions to this rule, so it’s important to check with your…
If you’re a new driver in Ontario, you may wonder how long you’ll be considered a high-risk driver. This blog post will give you an overview of high-risk driving and how it’s determined in Ontario. Additionally, we’ll provide tips on keeping your insurance rates low after being classified as a high-risk driver. Read on to…
This is no surprise that driving under the influence is illegal and can be life-threatening. Keep reading to understand what counts as impaired driving and its associated penalties that you can face before you get behind the wheel. What is Impaired Driving? Impaired driving relates to a situation where an individual operates their vehicle while…
Multiple factors are taken into consideration when calculating your insurance premium. This can include your age, driving record, and marital status. As a thumb rule, insurance providers don’t like taking risks. So, your potential insurance company will consider you less risky if you are a safe driver and offer you more favourable premiums. Continue reading…
Auto insurance acts like a best friend in times of crisis. It covers the losses and damages incurred during an accident and prevents you from the burden of paying out the massive sum out of your pocket. However, people with bad driving records might struggle to cover the additional costs that come with being deemed…
From a car insurance viewpoint, a high-risk driver is the one that raises claims repeatedly. This situation is not pleasant for both — the car owner and the insurance company. While there can be several reasons behind being classified as a high-risk driver, the after-impact on your finances can be ruinous. In simple terms, if…