If you’ve been turned down for car insurance because of your driving record, the experienced brokers at Eisenhauer Insurance can get you the coverage you need. We specialize in high-risk auto insurance and offer 24/7 emergency claims assistance to all of our customers.
Since 1980, the friendly team at Eisenhauer Insurance has been helping Nova Scotians get personalized and affordable coverage. Contact us today to speak with an insurance broker about our competitive rates.
Who is considered a high-risk driver?
A driver will be labelled high-risk by an insurance company if they’re deemed more likely to file an auto insurance claim than the average driver. There are a number of factors that can land a person in this category, including:
Multiple speeding tickets
Multiple at - fault accidents
Newly licensed drivers
New Drivers to Canada
An impaired driving conviction
A stunt driving conviction
A careless driving conviction
Frequent auto insurance claims
In addition, a driver who has failed to pay previous insurance bills will also be considered high-risk.
Who needs high-risk car insurance?
High-risk auto insurance is generally the only type of insurance available to those who fall into the category of high-risk drivers. Often, people are forced to seek high-risk car insurance after their existing insurer refuses to renew their insurance or cancels their policy outright.
At Eisenhauer Insurance, we understand that a variety of individual factors and circumstances — and sometimes just plain bad luck — lead to a driver being labelled high-risk. We also believe that everyone deserves a second chance. If you’ve been labelled a high-risk driver, let our brokers use their years of experience to help you find an auto insurance policy that works for you.
How do you get out of the high-risk category?
The only way to get out of the high-risk category is to improve your driving record. In Nova Scotia, traffic tickets remain on a driver’s record for two years and at-fault accidents stay for six years. Once they’ve been expunged, however, insurance companies can no longer penalize drivers for previous infractions or accidents.
If you’ve been deemed a high-risk driver and want to get rid of this label, it’s crucial for you to avoid traffic convictions and causing accidents going forward.
Can high-risk auto insurance be affordable?
Since insurance companies consider high-risk drivers more likely to file a claim, their coverage tends to be pricey. However, there are ways that high-risk drivers can reduce their insurance expenses.
One option is to lower their premium in exchange for a higher deductible. They can also opt for minimal coverage that includes limited liability insurance and little to no comprehensive insurance.
However, an ideal option for high-risk drivers is to work with a dependable insurance company like Eisenhauer Insurance. Our brokers can help you find the best price for high-risk car insurance and offer expert advice on how to lower your monthly premium.
Affordable high-risk auto insurance in Nova Scotia
At Eisenhauer, we offer no-pressure, no-obligation, consultative insurance services.
Don’t Hesitate to Contact Us!