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.
Why You Need Different Car Insurance for a High Risk Drivers
An insurance policy is a must for all drivers in Ontario, but especially for those considered a “high risk” driver. With an insurance policy, you’re financially protected in case you get involved in traffic incidents.
There are plenty more reasons to buy this type of car insurance, including:
Car Insurance for High Risk Drivers by YIB
One of the hardest things to do when you’re categorized as a high-risk driver is to shop for auto insurance policies. Some insurance companies do not offer policies for high-risk drivers or if they do, they come with high premiums.
Youngs Insurance helps you solve this problem. As a specialized car insurance broker in Ontario, we assist high-risk drivers in finding an auto insurance policy that is not only affordable, but also provides enough coverage.
Save On High-Risk Insurance Costs
We Know the Right Insurance Companies
Youngs Insurance agents have been in the industry for decades, so the team has the knowledge about which companies offer the best insurance policies for high-risk drivers.
We Work with Reputable Insurance Providers
The brokers at Youngs Insurance only work with reputable auto insurance providers in Ontario, ensuring that all our clients are sufficiently protected.
We Save You Time and Money
Youngs Insurance saves you the hassle of spending countless hours poring over lists of car insurance providers that will give you the right coverage for a fair price.
Whether you drive trailers or RVs, a motorcycle, or even a boat, we can help you find the insurance policy that will keep you protected.
Unlike other drivers, you’ll find it difficult to shop high-risk car insurance on your own. Some Ontario companies don’t offer policies for high-risk drivers. It’s hard to determine the right level of coverage for you. And should you settle on the first price given to you?
Youngs Insurance’s Sweet Lemons will help you overcome these hurdles.
- We Know the Right Insurance Companies – With decades of experience and well-cultivated relationships, our brokers know which companies offer policies designed for people with poor driving records.
- We Work with Reputable Insurance Providers – You’ll get insurance from a reliable company with a good record of handling claims. Youngs Insurance only works with reputable high-risk auto insurance providers in Ontario.
- We Save You Time and Money – Working with our brokers means you get the ideal insurance policy and premium. You won’t waste time and money choosing the wrong insurer or product.
Being classified as a high-risk driver presents many difficulties, but the good thing is, you won’t always be one. With time and a bit of work, you can go back to paying auto insurance policies in Ontario like regular drivers.
This is why Youngs Insurance created the Sweet Lemons program. As a part of our services for high-risk drivers, we’ve developed a plan to improve your driving record so you can get better insurance rates.
Depending on your current record, you can get the following help from our Sweet Lemons plan:
- Understanding High-Risk Insurance
You will learn what leads to becoming a high-risk driver and needing a high-risk auto insurance, as well as the process of rehabilitating your driving record.
Staying on top of your monthly premiums is essential in ensuring you get the best possible insurance rates and spotless insurance records.
- Driving a Low-Risk Vehicle
Some vehicles are considered more risky to drive than others. Driving a low-risk car shows insurance providers that you’re less likely to be involved in accidents and file a claim.
We help you remove traffic tickets from your driving record as they expire, so your record can go back to being pristine.
Without driving mishaps, you won’t need to file for insurance claims. So as your driving record improves, so will your insurance rates.