Providing false information on your insurance application.

You will then have to find a cheap auto insurance company for high-risk drivers, which is certainly possible.Īside from having too many previous claims or traffic violations, other reasons an insurance company may deny you coverage are: So if the company determines, based on your driving record, that you’re a high risk for too many costly claims to be a profitable client, they can refuse to insure you.

While this may seem unfair since most states require insurance to drive a vehicle, insurance companies are not in the business of losing money. Yes, an insurance company can choose to deny you coverage if they determine that you are too big of a risk. Can a car insurance company deny me coverage? Just one accident can raise your auto insurance cost by an average of $80 per month, and one speeding ticket can raise your rates by $45 per month. First, we’ll dive deeper into driving records and what insurance companies are looking for to answer these questions.Īuto insurance companies will check your driving record, so be honest, and start comparison shopping by entering your ZIP code in the free tool on this page to find clean instant driving records, auto insurance quotes, bad driving records auto insurance, and more. You may be wondering how exactly an insurance company can get this information and how a negative driving record could affect you. Unfortunately, a speeding ticket can be even more costly than the fine associated with it. If your history shows accidents or traffic violations, an insurance company may offer you insurance at a higher rate to protect itself against the risk of insurance claims. Just as many employers perform background checks on potential employees, insurance companies check driving records to determine whether you are a high-risk driver. The more negative marks there are on your record, the higher your rate will be.Accidents and traffic violations are some of the main red flags your insurance company will look for.Insurance companies check driving records when you apply for a new policy and at renewal time.

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