Getting Car Insurance Quotes in Ontario for High Risk Drivers

High risk drivers in Ontario face a unique set of challenges when it comes to buying car insurance. While there are plenty of insurance companies that offer coverage for high risk drivers, the premiums tend to be much higher than for other drivers. This can make it difficult for high risk drivers to afford the coverage they need. However, by doing some research and shopping around for car insurance quotes, high risk drivers in Ontario can find the coverage they need at a price they can afford.

What Makes a Driver High Risk in Ontario?

In Ontario, drivers are considered to be high risk if they have a history of poor driving or have been convicted of a driving offence. This might include convictions for impaired driving, driving without insurance, speeding or any other driving violation. In addition, if a driver has experienced multiple at-fault accidents or has had their license suspended or revoked, they will likely be considered a high risk driver.

How Can High Risk Drivers Get Car Insurance in Ontario?

High risk drivers in Ontario can still get car insurance, although it may be more difficult and expensive than for other drivers. In some cases, the driver may be required to get a high risk driver insurance policy, which is typically more expensive than regular auto insurance. However, by shopping around and comparing car insurance quotes from different companies, high risk drivers can often find coverage that is affordable.

What Are Some Tips for Getting Affordable Car Insurance Quotes in Ontario?

The best way to get affordable car insurance quotes in Ontario is to shop around and compare quotes from different insurance companies. It is also important to make sure that the coverage is adequate for the driver’s needs. Drivers should also consider raising their deductibles to lower their premiums. Additionally, drivers can often get discounts for taking a defensive driving course or for having a clean driving record for a certain number of years.

What Other Options Are Available to High Risk Drivers in Ontario?

In some cases, high risk drivers in Ontario may be able to get coverage through the Facility Association, which is a not-for-profit organization that provides auto insurance to drivers who are deemed to be high risk by all insurance companies in the province. Drivers who are eligible for coverage through the Facility Association will be required to pay higher premiums than average but may be able to get the coverage they need. Drivers should contact their insurance provider to see if they are eligible for coverage through the Facility Association.

Conclusion

High risk drivers in Ontario can still get car insurance, although they may need to shop around and compare quotes from different companies to find the most affordable coverage. Additionally, high risk drivers may be able to get coverage through the Facility Association. By doing some research and shopping around for car insurance quotes, high risk drivers in Ontario can find the coverage they need at a price they can afford.