Can I Be Refused Insurance Coverage as a High-Risk Driver?
Many high-risk drivers wonder if insurance companies can refuse to provide them with auto insurance in Halifax. Unfortunately, the answer is yes.
Drivers who find themselves labelled as "high-risk" often also find that their insurance company refuses to renew their policy and that other insurance companies refuse to provide them with new coverage. At Eisenhauer Insurance Inc., we provide high-risk car insurance in Nova Scotia, and we feel that it's important for drivers to know why they may be considered "high-risk," as well as how they can find car insurance that is right for them.
What is a High-Risk Driver?
There are many reasons why a driver may have a "high-risk" designation. It can often result from receiving multiple traffic tickets or from getting one's license suspended. Other times, a high-risk driver may be someone who has gotten into too many accidents and has had to make frequent claims. This is often the case with new drivers who do not have enough experience behind the wheel. An impaired-driving record can also lead to a driver becoming "high-risk."
How to Get Auto Insurance in Halifax as a High-Risk Driver
Getting car insurance in Halifax after becoming a high-risk driver can be a difficult task. Insurance companies may refuse you and may even treat you poorly when you try to apply for a policy. You can save yourself a lot of hassle by going directly to insurance brokers who specifically offer auto insurance for high-risk drivers. Brokers who provide high-risk car insurance in Halifax will be willing to work with you and get you the best rate possible.
High-risk car insurance is pricier than regular car insurance, but it also gives you the chance to prove that you are working on becoming a safer and more responsible driver. If you manage to keep a clean driving record, then you will notice your rates lowering to reflect your reduced risk. Eisenhauer Insurance encourages drivers who have had chargeable offences or accidents to make sure they have fallen off their drivers abstract (an abstract is a copy of a persons driving record in the province of Nova Scotia). A complete how to check your driver's record can be found here at Registry of Motor Vehicles.
It may sound simple, but the best way to manage rates for a High-Risk driver is to become more cautious. Those who pay more attention while driving and truly aware and obey the standard laws of the road (even as a High-Risk driver) over time rates will lower. High-Risk drivers should take note of the following:
• Reduce their speed
• Start using more caution approaching stop lights and stop signs
• Wearing seat belts
• No texting
• Use hands-free while talking on the phone
• Stop making illegal turns
These simple factors will reduce the probabilities of an “at-fault” accident and receiving a moving violation. Please visit our High-Risk Auto Insurance Specialties page.
Get a Quote for High-Risk Car Insurance in Nova Scotia
At Eisenhauer Insurance Inc., we believe that every driver deserves the chance to get back on the road and work on improving their driving record. If your policy has been cancelled and if other insurers have refused you, then come to us for affordable high-risk car insurance in Nova Scotia.
If it's time to get back out on the road, then contact Eisenhauer Insurance Inc. for high-risk car insurance in Nova Scotia today. Eisenhauer Insurance has been serving insurance needs of residents in Halifax Nova Scotia and Surrounding Areas Since 1980.