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How Long are You Considered a High-Risk Driver?

If you are asking if you are a high-risk driver, chances are it’s because you’ve been getting really high insurance quotes. The first thing to know is we will be able to help you, call us for a 15 minute consultation at 1-774-847-7746.

Insurance agents are often asked “How Long are am I Considered a High-Risk Driver?” by customers who may have had bad luck on the road or poor payment history. Claims and accidents remain on your driving history for 5 years and 6 years from the surcharge date under the Massachusetts SDIP system.

High risk car insurance quotes Massachusetts
An estimated 391,000 drivers were injured in distracted driving crashes in 2017

Auto Insurance for High-Risk Drivers in Massachusetts

Massachusetts auto insurance policies work differently than the rest of America. Massachusetts using a registry system that links your insurance and insurance payment history to your vehicle plates and registration number. When your insurance cancels and you do not have another active policy, your registration becomes revoked.

As stated in Massachusetts General Laws Chapter 90 Section 34H, the RMV will suspend or revoke your vehicle registration indefinitely when notified that your insurance policy has been cancelled, if you have not provided proof of a new insurance policy.

Who is considered a “high risk driver” in Massachusetts?

Below is a list of some, but not all categories insurance companies consider high-risk drivers. If you are currently in one of the situations below, insurance costs can get expensive quickly. Whatever your situation, we can help!

  • Without proof of at least six months of continuous insurance, you are considered a high-risk driver.
  • Young and newly licensed drivers in Massachusetts.
  • Young and newly licensed drivers in Massachusetts with more than 0 points.
  • Location plays a big role in insurance risks and average premiums. Many parts of Boston, Brockton, Framingham, Worcester, and Springfield are considered high-risk.
  • Homeowners will high coverage limits with inexperience operators.
  • Drivers with 1 or more Cancellations for Non-Payment
high risk car insurance quotes Massachusetts MA
Call 1-774-847-7746 and learn how to get out of the high risk category and start paying less for auto insurance.

Tips to Avoid Being a High-Risk Driver in Massachusetts (MA)

  • Maintain continuous insurance coverage and make your payments on time.
  • Avoid falling missing and falling behind on payments, cancellations for non-payment, or having your policy lapse.
  • Get your drivers license ASAP! Your Date-First-Licensed is one of the main drivers of price in the state of Massachusetts. Getting your drivers license sooner in life will help you get lower prices once you have 6 years of driving history.
  • Make sure you own a car that passes inspection. You will get 2 points and your rates will become much more expensive if you get a ticket for an invalid inspection sticker. I’ve had customers get 2 in 1 year and have their price double. Don’t let that happen to you.
  • Make sure you pay all your parking, Fast Lane, and excise taxes or your license or registration may be “Non Renewed”. You will have to wait in line and pay the registry to reinstate your vehicle or license.
  • Avoid speeding and traffic tickets and violations. They stay on your record for 6 years from the surcharge date under the Safe Driver Insurance Plan Point System.
  • Do not file small claims. Young drivers often file very small comprehensive or collision claims (often under $100) that cause their policy premiums to spike. They would be much better off paying out of pockets since these claims will stay on their record for 5 years.
  • Avoid “Buy here pay here” and smaller car dealerships not on the drive program. You can be buying a car that you may have difficulties registering or may require a lot of work.

Request a free quote today by calling 1-774-847-7746 or fill out the quote request below.

Auto Insurance Quotes High-Risk Drivers Massachusetts

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