Best High Risk Auto Insurance in Florida, high risk driver auto insurance
Posted: Sep 03, 2019
If you have any previous driving violations such as speeding tickets, accident causing bodily injuries then auto insurance companies consider those people to be high risk drivers. As the name suggests, these drivers can present a greater liability to insurers due to their previous driving record, the type of cars they drive, or even their credit history. The insurance company could see them as more expensive to insure and your premium goes up by atleast 30%. In this post you will find complete details about buying high risk auto insurance and where to buy commercial auto insurance in Florida.What Is High Risk Auto Insurance?
For commercial vehicles, commercial trucks and drivers, auto insurance isn’t optional. It is mandatory to have insurance coverage to protect yourself and everyone else on the road in case of an accident. Some insurance companies view commercial drivers as high-risk, and refuse them coverage. If you’re having trouble finding the insurance you need, contact Insure Quest Florida. We’ll review your case and find a high risk commercial auto insurance solution for you.
A high-risk commercial auto insurance policy shall cover all accidents and roadside incidents. Whether you’re a trucking business managing a fleet, taxi company, or repossession company, you can get a high risk commercial insurance at affordable premium. We’ll provide an insurance quote regardless of your previous claims history. We’re willing to insure any company or a commercial business, and will work out a partnership that benefits us both. Give us a call today and discover how we can help you in getting a coverage with a high risk auto insurance.
What is High Risk Car Insurance?
Insurance companies consider drivers with past driving violations, inexperience behind the wheel, or drivers with a poor credit history as high risk drivers and the category under which you might be provided with an insurance coverage would be a high-risk car insurance. Your car insurance premiums will be higher as a result when you fall in a high risk auto insurance category. Some insurance companies don’t insure a motorist with any prior violations or marks on their driving record while there are plenty of reputable insurance companies who will provide high risk car insurance at a higher premium.
How much more do you have to pay for high risk car insurance?
You can expect to pay anywhere from $1,800 to $3,300 annually for High-Risk Car Insurance. High-risk car insurance quotes vary widely across the state of Florida. Even if you are already classified as a high-risk driver and already have a high-risk coverage, quotes may vary. That’s why it’s so important to compare car insurance prices from different companies if you are a high-risk driver.
How much does High Risk Auto Insurance cost in Florida?
Typically, high risk auto insurance costs 30% higher than a regular auto insurance and your car insurance rates will increase as a result in case of any at-fault accident that involved bodily injuries. You can expect at least a 50% to 150% increase after a single DUI. Many insurance companies may consider you a high-risk driver after two speeding tickets.
If you are considered a high risk driver that fall under any of the high risk categories then you will have to pay a higher premium for auto insurance compared to an average driver. To give you a sense of what the difference between these rates are we compiled data across Florida, Wisconsin, Georgia, Colorado and Texas for three categories of high risk drivers to help you understand how much more these premiums can cost you.