High Risk Auto Insurance In Ontario can carry higher premiums than standard policies. Some insurance companies are even hesitant to take in a high risk driver.
If you’re classified as a risky driver in Ontario, our program will help you find a car insurance option at a sensible price. As your insurance broker, we’ll shop around for insurance that:
- Carries the lowest premium
- Gives you the right coverage
We’ll achieve all these despite poor driving records, DUI cases, accidents, and traffic tickets.
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Car Insurance for High Risk Drivers: What You Need to Know
A risky driver refers to car insurance policies for people with bad driving records, such as:
- DUI charges
- At fault accidents
- Careless driving charges
- Insurance policy cancellations
- Numerous traffic-related tickets
According to Mothers Against Drunk Driving (MADD), an average of 261 drivers get short-term license suspensions everyday for impaired driving in Canada. Impaired driving refers to driving under the influence of drugs or alcohol.
Apart from DUIs, more drivers get slapped with other traffic charges, such as speeding and reckless driving. A record of your car being involved in a collision where you were found at fault is especially damaging.
When you have these charges on your record, your auto insurance premium will go up because you’re now considered “high risk.” This means that, with a history of driving mishaps, car insurance companies deem you more likely to be involved in an accident and needing insurance payouts.
At Youngs Insurance, our car insurance brokers help drivers find auto insurance policies in Ontario that provide the right coverage without the hefty premiums attached.