Affordable High-Risk Auto Insurance for New Brunswick Drivers
Being labeled a high-risk driver means insurance companies think you're
more likely to be involved in an accident(s) and need to make a claim on
your policy. It does not mean you can't get auto insurance at all. At
Pearson Insurance we can help you!
We are a leading high-risk auto insurance broker in Sussex, NB. We work
with special companies to make sure you're protected, at affordable rates,
no matter what your driving background is.
What Makes You High-Risk for Auto Insurance?
There all sorts of reasons why insurers label someone as being a high-risk.
- You've been involved in multiple at fault accidents and car insurance
claims in the past.
- You've collected too many speeding tickets.
- You've committed a driving-related offense like DUI, which is under the
- You're a new driver.
- You drive a car that insurance companies consider to be more at risk of
accidents or thefts
- You have a poor premium payment record or you had a period between
policies when you weren't insured (even if that's because you didn’t own a
How Does High-risk Car Insurance Differ from a Standard Policy?
The most obvious difference is that it costs more. Generally speaking,
someone who's been labeled "high-risk" can expect to pay more money for
their car insurance.
An individual's conviction record, accident frequency, payment history, and
insurance history are all the same factors that are assessed when everyone
goes to buy vehicle insurance. Having all of the items above or a
combination of these factors can put you in this high risk category or
Beyond that, high-risk auto insurance covers most of the same things that a
standard policy covers, including the mandatory requirement for $200,000
third party liability insurance, accident benefits, direct compensation
property damaged (DCPD), as well as uninsured automobile coverage.
Pearson Insurance can also arrange for additional optional coverages such
as comprehensive, collision and loss of use.
How to Get High-risk Auto Insurance
Many regular market insurance companies simply won't cover high-risk
drivers for any price. If you're already insured with a regular company and
they see you have a number of convictions or a number of at fault
accidents, they may choose not to renew your policy. If they do choose to
renew your policy, you will probably notice a significant rate increase.
Either way, you may need the help of a high-risk auto insurance broker like
In fact, there are several reputable and reliable companies that provide
high-risk auto insurance in New Brunswick. But they charge different rates
based on how they assess the vehicle and driver risks involved.
As an independent broker, we work with many of the higher risk markets,
which means that we can shop around for you to get the most affordable
Why You Need Pearson Insurance for Your High-Risk Auto Insurance
We don't just search for the best rates for your coverage.
Our high-risk auto insurance experts can advise you on actions you may be
able to take to reduce your high risk profile. We can tell you how long
accidents stay on your record, which ones are affecting your rating and how
the different convictions affect the cost of your insurance.
That means, we can help you return to the standard lower rates as soon as
Furthermore, in the unfortunate event that you need to make a claim on your
policy, we'll work with you to make the process as painless as possible.
Get A Fast and Free High-Risk Auto Insurance Quote Now
If you've been unfortunate enough to be labelled "high-risk", perhaps
through no fault of your own, we can help.
Even if your current insurer allows you to continue coverage, you need to
be sure that the rate you'll be paying is the best available.
Pearson Insurance can provide you with a fast, reliable quote or selection
of quotes for comparison -- at no cost and without any obligation. In other
words, no risk!
Contact us today at 1-800-260-2277 and get ready to be back on the road fully protected.