Are you Considered a High Risk Driver?

If you fit into one or more of these categories, Illinois Vehicle can work with you to get the best possible auto insurance coverage at an affordable  price. Illinois Vehicle will also work with you to improve your risk profile to ensure lower auto insurance rates in the future.

Generally, a driver is considered “high-risk” if the individual has:

• Three or more convictions and/or guilty pleas for moving violations.

• A single conviction and/or guilty plea for DUI/DWI, a hit and run violation, vehicular negligent injury or reckless operation of a vehicle within the period of twelve months.

 

Other High-Risk Determining Factors:

• New and young drivers are considered a greater risk than seasoned/adult drivers and will usually pay more for insurance coverage.
• Motorists living in urban areas pose a greater risk than those living in rural areas.
• Males are considered greater risks than females.

• Multiple speeding tickets and/or multiple accidents, regardless of fault, often denote a driver as reckless to insurance companies.
• Drivers with poor credit histories tend to be classified as higher risk drivers.