So you've been labelled as a high risk driver in Calgary. Unfortunately, this is more common than it sounds. But what kind of baggage does the label of "high risk driver" come with? In other words, what does it entail, both in terms of reputation and insurance premiums? And more important... will you be forced to pay higher premiums for the rest of your life?
As you already know by now, being labelled as a high risk driver by insurance companies mean that they perceive you as more prone to getting into and/or causing road accidents. As a result, because they expect you to cost them more money than "normal" drivers, they require you to pay more than "normal" drivers.
The good news, however, is that this label is not permanent. Yes, you read that right: You are not hopeless! While you will be expected to pay higher premiums for some time, manage to keep a clean driving record for the next two years or so and it should only be a matter of time before insurance companies in Calgary stop labeling you as a high risk driver.
Sure, being labelled as a high risk driver today might feel like the end of the world, but remember this: You are still alive. In the past, it's quite likely that you have experienced your fair share of road accidents and infractions (hence why you are reading this today), but you are still alive. Consider this a learning experience for you instead. Driving is not a game, so brush up on your driving skills and get that clean driving record going for many, many years!
Stay safe!
Your post is really informative! Thank you! It has proved to be really helpful for my dad when he went to get insurance for his business van
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