Go Insurance for High-Risk Drivers

This rule applies to all drivers, but the auto insurance company has the right to reject your application or cancel your existing policy if you are considered a high-risk driver. In this case, you will need to purchase insurance from a company that specializes in providing non-standard coverage, and this is where Good to Go Insurance comes in.

What is a high-risk driver?

Insurance companies use many different variables to determine whether you are low-risk or high-risk. The term “high-risk” is often used as a reference to describe a driver who has big possibilities to file claims and, therefore, requires a particular type of insurance coverage. An insurer usually determines this by checking on your driving records for past traffic violations or involvement in accidents, but this is not the only variable used. A driver can be listed under high-risk category for one of the following reasons:

1. Having a traffic ticket in your driving history: The DMV recorded every traffic violation you had in the past, and insurance companies have access to your data. A minor violation does not put you into the high-risk category because many insurers offer some sort of "forgiveness" to ignore the violation. However, you are required to pay a small fee to get the ticket waived.

1. Multiple traffic violations: some insurers offer specific programs to get rid of a minor violation from driving history, but the same thing cannot be said for drivers with multiple violations. The company will see those divers as risky customers, and there is always a possibility that the insurer cancels the policy before the next renewal.

1. Being a teen driver: for some reasons, teen drivers are categorized as high-risk by insurance companies. Teen drivers are often regarded as inexperienced, and therefore they have a high risk of being involved in accidents.

1. Not a homeowner: some insurance companies sees that homeowners tend to be more stable customers. Homeownership and a high-risk driver may not have marked correlation with each other, but insurers want to provide their services for stable consumers, and owning a home is a major part of stability.

1. DWI (Driving While Intoxicated): a DWI ticket is considered a serious traffic violation and this often leads to an incremental increase of insurance premium rate after insurance policy renewal. In extreme cases, some insurance companies (if not most) even cancel the policy after they notice a DWI ticket in your driving history.

Other reasons that probably make you high-risk drivers are lapses in insurance payment, reaching 70 years of age and driving high-risk vehicles such as supercars, collectible cars, etc.

Not all companies provide insurance coverage for high-risk drivers. Insurers tend to avoid selling coverage to risky consumers in order to prevent giving a good amount of payout. After all, auto insurance is a for-profit business. On the other hand, Good to Go Auto Insurance has been specializing in providing non-standard coverage for high-risk drivers since more than 25 years ago. 

Minimum Coverage Requirements

Non-standard coverage is more expensive compared to the standard one for low-risk drivers. Most high-risk drivers purchase only the state’s minimum coverage requirements to save money on insurance premium, leaving all the optional coverage available. With Good to Go Car Insurance, you are allowed to break down an annual payment into monthly or quarterly basis so your expense can be more manageable. It can be helpful for those who have to pay more for non-standard coverage. The payment options from Good2Go Insurance are as follows:

• Annual Plan: this is the typical option where you are allowed to pay the annual bill as one-time convenient payment. It is the simplest option.
• Quarterly Plan: the payment for one year is broken down on the quarterly basis.
• Economy Plan: this option allows you to pay in installments method once every month.

Moreover, Good 2 Go Auto Insurance offers a comprehensive range of discounts to help you save more on premium. Some of the available discounts include Defensive Driving Course, Homeownership, Multi-Car, Anti-theft System, Good Students, and more. Eligibility for discounts and the discounted premium can be different from state to state. You can check for this information when you go to go insurance official website.

A reputation as an insurance company for the high-risk driver has been attached to Good to Go Insurance for quite a while, despite the availability of Comprehensive and Collision coverage. Both of them are not ordinarily included in the bundling option for high-risk drivers; they are optional coverage, but they can be very helpful should an accident happen. Collision coverage is the financial protection for your car. It covers the cost to repair car damages as results of an accident. Comprehensive is the complementary one that it covers car damages caused by non-accident occurrences for examples falling objects, vandalism, and theft.

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