Finding car insurance can be a challenging task, especially for drivers with a bad driving history. In Canada, various insurers cater specifically to high-risk drivers, offering policies that balance coverage and affordability. This article will explore the best car insurance options available in Canada for those with a less-than-perfect driving record.
Understanding High-Risk Drivers
High-risk drivers are typically classified as individuals who have multiple traffic violations, accidents, or claims in their driving history. Insurance companies often charge higher premiums to mitigate the risk associated with these drivers. Recognizing this, certain insurers provide tailored policies that consider the unique needs of high-risk clients.
Top Car Insurance Policies for High-Risk Drivers
1. Aviva
Aviva is known for its flexible coverage options and customer service. They offer policies designed for high-risk drivers that include essential coverage while providing potential discounts for safe driving practices over time. With Aviva, drivers can benefit from features like accident forgiveness and specialized high-risk driver plans.
2. Intact Insurance
Intact is one of Canada’s largest car insurance providers, and they have a specialized program for high-risk drivers. Their policies often feature customizable coverage limits and optional add-ons, allowing drivers to select the level of protection they need. Intact also rewards drivers for taking safety courses, which can lead to lower premiums over time.
3. The Co-operators
The Co-operators offers policies that cater to high-risk drivers with a focus on personalized service. They provide options for accident forgiveness and discounts for maintaining a clean driving record post-violation. Their comprehensive coverage plans also include roadside assistance, enhancing peace of mind for drivers.
4. Johnson Insurance
Johnson Insurance is known for its competitive pricing for high-risk drivers. They offer a variety of policies that can be customized based on individual needs. Their programs include unique perks like claims assistance and access to helpful online resources for safe driving habits, which can further help reduce insurance costs over time.
5. Economical Insurance
Economical Insurance focuses on providing affordable options for high-risk drivers. Their claims process is efficient, and they offer various coverage levels to match a driver’s specific needs. With Economical, drivers can access additional benefits such as accident forgiveness and discounts for multiple policy bundling.
Tips for High-Risk Drivers to Lower Premiums
For drivers with a bad driving history, there are several strategies to reduce car insurance premiums:
- Improve Driving Habits: Take a defensive driving course or enroll in a driver rehabilitation program to demonstrate commitment to safer driving.
- Shop Around: Regularly compare insurance quotes from different providers, as rates can vary significantly between companies.
- Increase Deductibles: Opting for a higher deductible can lower your premium but ensure you have funds set aside in case of an accident.
- Bundle Policies: Consider bundling car insurance with home or tenant insurance to secure a discount from insurers.
Conclusion
For drivers with a bad driving history in Canada, understanding the available insurance options is vital for obtaining affordable coverage. Options like Aviva, Intact, The Co-operators, Johnson Insurance, and Economical Insurance provide specialized policies catered to high-risk drivers. By practicing safe driving habits and exploring ways to reduce premiums, drivers can find the best car insurance policy that meets their needs without breaking the bank.
