High Risk Drivers
Traffic Violations - If you or anyone on your policy has plead guilty, no contest or have simply paid the fine for a traffic violation, insurance carriers will consider you a higher risk. You should expect to see an increase in your premium once your insurance company surcharges for the incident. Some insurance companies charge more than others for traffic violations. We specialize in getting our clients connected with an insurance company that can lock in a lower rate for you based on your driving history.
Claims and accidents - If you or anyone on your policy has had an at-fault accident or a claim, insurance companies will surcharge your policy for the incident. If you have had your driver’s license for less than 3 years or if you are elderly the surcharge may be more than it would have been otherwise. Not all insurance companies charge the same amount for accidents and claims. Our insurance advisors know which companies charge less than others based on the number and severity of the accidents you may have had.
PIP claims - If you or anyone in your vehicle has filed a PIP (Personal Injury Protection) claim during the past 5 years, insurers will consider you a higher risk. PIP, also known as No Fault insurance, pays for injuries in your vehicle, no matter who was at fault. Even though you may have been rear-ended, your insurance company may surcharge or drop your policy because they had to pay for medical expenses for someone injured in your vehicle. Our agents work with insurance companies that specialize in insuring clients who have had PIP claims.
Credit History (Insurance Score) - Many insurers will place consumers in a less favorable category if they have a low insurance score, which is based on information on your credit report. These less favorable categories allow insurance companies to charge you more for your insurance. Insurers believe if you have plenty of available credit, which leads to a higher insurance score, you are less likely to file a small claim because you may choose to use your credit card to pay for a minor loss. We have access to carriers who do not place drivers in less favorable categories based on their insurance score.
Low Risk Drivers
Traffic Violation Convictions - If you and the drivers on your policy have not plead guilty, nor no contest, and you have not paid any fines for traffic violations, many insurance companies will place you in a preferred category which can help lower your premium. Some insurance companies give you more credit for good driving than others. We specialize in getting our clients connected with an insurance company that can lock in a lower rate for you based on your driving history.
Claims and accidents - If you and the drivers on your policy have not had any accidents or claims in the past 5 years, some insures will place you in a preferred category or offer you a discount. However, some insurance companies keep charging you more because other people that they insure keep having accidents and claims. If you and the drivers on your policy have been careful not to have an accident or a claim during the past 5 years, we want to help you find an insurance company that is going to give you the biggest savings based on your driving history.
Coverage - The more assets you have and the higher your earning potential, the more coverage you should have. A 40-year-old driver who is a homeowner with a bachelor’s degree, is likely to have more assets and a higher earning potential than a 18 year old high school graduate. Therefore, the driver who has more to protect should have higher coverage in case they cause an accident and get sued. Our agents will take the time to analyze your scenario, so that we can customize a policy that gets you the coverage you need at the lowest premium.
Credit History (Insurance Score) - Insurers will place consumers in a favorable category if they have a high insurance score, which is based on information on your credit report. These more favorable categories allow insurance companies to charge you less for your insurance. Insurers believe if you have plenty of available credit, which leads to a higher insurance score, you are less likely to file a small claim because you could choose to use your credit card to pay for a minor loss. We have access to carriers who place drivers in the most favorable categories based on their insurance score.
Why Enterprise Insurance Advisors?
- We customize your coverage based on your level of risk and your budget
- We have access to the carriers who specialize in your driving history
- We can help you obtain more discounts from highly rated insurers
- We can provide instant proof of insurance
- We offer 24/7/365 customer service through our online Client Center
Contact us today
Our carriers provide an early shopper discount! The sooner you call the more money you can save! Secure a lower rate today, in order to save the most money!