Car Insurance In Calgary For High-Risk And Young Drivers

Some folks you know - they shall remain nameless - think the highway is their highway. They will grow out of it, for the most part, but before they know it, they could have several violations and accidents under their belt. In the car insurance world in Calgary, that could result in being labeled high-risk.

Insurance for High-Risk Drivers

Once you have been found at-fault in several accidents, received several tickets, or had your license suspended, you might be labelled as high-risk. But, you need not despair. This high-risk label is not permanent. If you improve your driving record, you can still find affordable high-risk auto insurance.

Traffic Injury Research Foundation (TIRF)

The TIRF says the mere presence of a male in a car seems to increase the risk of accident and injury:

• Males account for 74 per cent of all teen driver (16-19) deaths on the road.
• More than one-third of teen drivers involved in fatalities tested positive for either alcohol (36.6 per cent) or drugs (39.2 per cent).
• 44 per cent of those testing positive for alcohol had one or more passengers in the vehicle.
• Speed was a factor in more than one-quarter (28.8 per cent) of teen driver deaths.

Canadian Council of Motor Transport Administrators (CCMTA)

The CCMTA categorizes high-risk drivers as those who are known for the following:

• Being involved in three or more events.
• Being convicted of a repeat offense.
• Refusing to give a breath sample.

But, what if you stillrequire car insurance in Calgary?

The higher the probability of a claim, the greater the risk a driver is to an insurance company. When that risk becomes prohibitive, the company may refuse to insure or to renew a policy at the end of its term.

But, this does not mean such drivers are no longer insurable. For example, there are some insurance companies that do offer high-risk auto insurance to those who no longer qualify for standard insurance. But, with the risk so much higher, so, too, is the price.

Still, drivers with flawed records can keep driving while still receiving a caution that they are at risk of losing their privileges if they do not improve their habits. For some, this means keeping their jobs.

What's a Teen Driver To Do?

You need to face facts. Your driving behavior could cost you a lot. And, while it can be hard to find a road out of this mess, there are insurance professionals ready to help.

Think of this as a life lesson, an opportunity to drive while working on those high-risk habits. Work with an insurance broker who specializes in providers for high-risk insurance. Their solid experience will develop a plan for reducing your insurance premium over time. For instance, different vehicular charges remain on your record for different periods of time. A broker will deal with multiple companies in search of the most affordable premiums as those charges roll off your record. The broker could be your best friend when you find yourself in such a jam.

To find the right coverage to meet your needs as a high-risk driver, contact a broker at Godfrey-Morrow Insurance for a car insurance in Calgary quote today.

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