Did you know that on average, 6,700 injury and fatality crashes occur each year as a result of high-risk driving? There is a very good reason that insurers have high risk drivers on their radar and why driving behaviour factors into the car insurance rates you will get. If your driving habits and record show that you are risky out on the road, the insurance provider assumes that giving you coverage will cost them more, so they cover this risk by upping rates. Not good when you’re trying to get cheap auto insurance!

Wondering what exactly are high-risk behaviours? Here are some of the most common ones:

• Failing to yield
• Ignoring traffic-control devices
• Following too closely
• Speeding
• Improper passing
• Down hill acceleration
• Rushing to be somewhere (which often results in lots of risky behaviours)

The best way to lower your rates and get cheap auto insurance is to be a good driver. Avoid the above behaviours when driving and do what you can to clean up your record. In the long-run, this will help to lower your costs.

If you’re looking for more information on high risk auto insurance, including a more detailed explanation of how risky driving affects insurance costs and what you can do to get cheaper rates, check out this post. There are also some more specific details on being a high risk driver in Ontario here. And be sure to check out our super comprehensive post that covers the most common questions around being a high risk driver here.

You can also get in touch with us anytime and we’ll be happy to talk things through with you and share our experience with insuring high risk drivers.