In the insurance world, there are plenty of terms that you will come across that might need further explaining. The term normal or low-risk driver is just that. For those in the Centralia, IL area, the agents with Alcorn Insurance Agency can help define these terms.
For our basic needs, the term normal or low-risk driver refers to those drivers that are least likely to have an accident or file a claim against their insurance. These drivers are generally over the age of 25, have a safe driving record, have not filed any claims within the past five years, and are often married or have a stable job and home or residence.
These are all factors that help to make a driver low risk. The idea is that these drivers are going to be safer because they do have more experience than younger drivers, they are not at an age where they are going to be inattentive, and they have a home and other items that would make them want to be careful when driving.
Those drivers that are under the age of 25 and over the age of 70 are both going to be considered higher risk drivers. The first group is higher risk because of lack of experience while the other group is higher risk due to factors related to aging. No matter what group you fall into, the longer you go without an accident or without a ticket or infraction, the better your rates are going to be and the lower your premium is going to be.
For those that still have questions and live in the Centralia, IL area, Alcorn Insurance Agency can help you to answer your questions and help you determine if you are a high-risk driver or simply a normal low-risk driver.