A “high-risk” driver is generally defined by the insurance companies as someone who has a higher risk of having an auto accident. Auto insurance companies often see high-risk drivers as undesirable, as they may end up costing a great deal in claims.
Why you may be defined as a high-risk driver?
You have multiple accidents or tickets during a specific period of time.
You have a DUI.
You have a serious violation.
Any accident that results in a fatality.
Driving without a license.
Driving without insurance.
You drive an exotic car.
For whatever reason, your auto insurance has lapsed.
How to get auto insurance if you are considered high risk
You may need non-standard insurance.
SR-22 insurance for specific situations.
Allow your agent to shop auto insurance for you.
Determine what auto insurance discounts you may be eligible for.
Improve your driving skills.
Consider a lower risk car.
Being Physically Active Has Many Health Benefits
There is no question that people who are physically active are healthier and happier. The American Heart Association recommends at least 150 minutes of activity each week. Now is the time to start your exercise plan. To encourage you, here are a few benefits you will receive from an active life style:
- You will sleep better. Working out for just twenty to thirty minutes on a daily basis will enable you to increase the amount of quality sleep you get on a nightly basis.
- General health. Physical activity controls, and even prevents, some risk factors for heart disease, such as high cholesterol, diabetes, and hypertension.
- Brain health. Physical activity helps maintain brain function in older adults.
- Weight control. Physical activity raises your metabolism and helps you lose weight more easily, especially when combined with healthy eating.
- Reduced mortality risk. One study showed that adults who watch more than 4 hours of television a day had a 46% increased risk of death from any cause, and an 80% increased risk of death from cardiovascular disease. Source www.herat.org.
- Increased strength. Regular activity increases your stamina and ability to recover from illness.
- Mental health. People who are active have fewer mental health issues.
People of all ages can improve the quality of their lives and reduce the risks of heart disease, hypertension, with ongoing participation in moderate physical activity and exercise. Daily exercise will also enhance one’s mental well-being and health throughout life.
Our clients have been choosing Sterner Insurance Agency – Apple Valley, MN to insure their cars and other vehicles because of our fair and competitive prices, but our policies Auto/Car Insurance offer so much more