There are several different types of driver classifications. Auto insurance companies do not all want to write the same type of driver; therefore they all cater to a particular category of drivers. They often go after different types of drivers depending on what their business goals are. One insurance company may not be the best insurance company for everyone; therefore, it is important to get several different types of car insurance quotes or to know what classification a particular company caters to.One type of driver categorization is the driver with a longer driving history who has been accident, ticket and claim free record. This type of driver often has good credit and a moderate to high insurance score. Often, if approached, they would also carry home or renters coverage too. Their future risks for claims are lower than average; thus, their premiums can be kept low. However, sometimes this means that if the driver status changes with an accident or ticket, their rates can jump dramatically or they can receive a non-renewal notice.
Another type of car insurance driver is the person that has multiple claims and/or tickets. They carry low coverage limits and often these limits are equal to state minimum limits. They have poor payment history and may not have paid their prior auto insurance premiums and that is why they are seeking a new car insurance quote. These drivers represent a high chance of risk for the car insurance company and so their rates are higher than the average person in order to offset these claims.Yet another type of driver is the youthful, inexperienced driver. Typically drivers who have less than three years driving find a very expensive policy premium if they get a car insurance quote from most companies. This is because the car insurance company surcharges them to make up for their generally active claims history. Nevertheless, there are companies out there that will discount youthful policies for various community activities or memberships.
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