Do Insurers Consider You a High Risk Driver?

What makes someone a high risk driver.

If you are considered a high risk driver, then it can be difficult to secure auto insurance at an affordable rate.  In some cases, you may not be able to secure standard car coverages at all, forcing you to rely on Florida high risk auto insurance for your coverage needs.  But what exactly makes a driver high risk?  Here’s what you need to know.

What makes a driver high risk?

There are two reasons that a driver may be considered high risk.  The first reason is that they are a new driver and have not had enough experience behind the wheel to be considered a reliable driver.  Unfortunately, as a new driver, there isn’t a lot that you can do to get rid of your high risk designation.  Staying patient and working to keep your driving record clean is the best way to prove that you are low risk.  Over time, you will naturally lose your high risk designation and gain access to affordable car coverage.

The other reason you might be considered high risk is because you have earned the title by displaying unsafe, reckless, or irresponsible driving behaviors.  There is a long list of things that you can do to be considered high risk.  For instance, you will be named high risk for the following:

• Being charged with a DUI
• Receiving excessive speeding tickets
• Participating in illegal street racing
• Getting caught driving recklessly
• Causing car accidents, especially fatal ones
• Being a repeat offender

If you have earned the title of high risk driver by committing one or more of these driving issues, then you will be stuck with the label for a long time.  Major traffic offenses and accidents remain on your driving record for up to ten years and will continue to affect your auto insurance costs.  The best thing that you can do is dedicate yourself to safe driving and maintain a clean driving record until the issues are removed.

This is what makes someone a high risk driver.  Do you need help with your Florida high risk auto insurance?  If so, then contact the experts at Staybull Insurance.  We are ready to assist you with all your car coverage needs today.