What would compel auto insurance companies here in Idaho to declare me as a high risk driver? Would a single traffic ticket be a good reason for the sudden increase in my premiums?

Bentley

Boise, ID

Good question. There are many factors that can cause your auto insurance carrier there in Idaho to consider you as a High-Risk driver. Although a single traffic ticket in itself is not be enough to cause your insurance rates to skyrocket, it could be argued that having one too many traffic violations may raise a red flag and could be reason enough for your insurance company to see you as a high-risk driver, and that’s already good enough reason to increase your premiums.

Here are other factors that may cause your rates to increase:

1.Bad Driving Record – causing car accidents, even multiple involvement in accidents and accumulating plenty of driving violations are valid reasons for carriers to increase your premiums.
2.Filing too many Insurance Claims – if you file too many claims, your carrier may think you’re getting involved in too many accidents and therefore may cause them to see with higher risk.
3.Coverage Gaps – Driving without insurance coverage for extended periods of time can definitely put you in a High-Risk driver.
4.Credit History – A bad credit history may suggest how you manage other aspects of your life, including your driving.
5.Age – Premiums may rise
6.Changing vehicles – Switching to a more expensive or less safe car can cause rates to rise.

Looking for affordable High-Risk auto insurance policies? This website has a free insurance quote check to assist you in finding the best car insurance policy for your circumstance and needs.