There are a few things that can cause you to qualify as a high risk for insurance companies and some won’t even insure you. There is always an option at least, so you just need to find a high risk carrier to take care of you. Here are the biggest causes of being considered a high risk driver:
Not Carrying Continuous Insurance Coverage
Pretty much all standard insurance companies in Florida want to see at least 6 months of previous insurance with no lapse in coverage in order to get there best rate. A lot of them will look at how long you have been insured without a lapse and some will even take into consideration if you switch companies frequently. It doesn’t always pay to change car insurance companies every renewal.
Getting a DUI
If you have a DUI on your record within the last 3 years, your pretty much automatically considered a high risk driver. This means that your going to get a surcharge on your premiums and have to find a carrier that specializes in people with bad driving records in Florida. The good news from our experience is that some companies don’t penalize much for the first DUI if you don’t have anything else on your driving record!
Filling Excessive Claims
If you are prone to file a claim every time that you get a ding on your car, or you are causing a lot of at fault accidents and getting claims filed against you, you might find your standard Florida car insurance company dropping your coverage at renewal. This is a more difficult situation to get around. The only advice that we recommend is to use a service like ours to get multiple quotes online and then hopefully you will find a good rate.
Multiple Driving Infractions
If you have a habit of getting a speeding ticket, or other traffic infraction a few times per year, your insurance is going to be higher. If you have enough points on your driving record, you will be placed into that dreaded high risk category. The best advice for this is to slow down and follow the rules. In the meantime, your going to have to shop around and find the best rates available, but they more then likely aren’t going to be great.
These are the 4 biggest causes for being considered a high risk to insurance companies and being placed into the non standard market. If you do happen to have 1 or more of these attributes, you can still take the time to find the best car insurance in Florida with our service. This doesn’t mean that your going to get it cheap, but we can help you find the best deal!