How much does insurance cost with a bad driving record in Florida?

If you have a bad driving record in Florida this post will help you understand how it will affect your insurance rates.  Florida insurance rates are determine by many diffrent factors.  Some of these factors include your age, sex, location, driving record, credit and claims history.  One of the biggest things that can increase the cost of your insurance in Florida is having at-fault accidents on your driving record.  Your insurance carrier might put an at-fault accident on your driving record if you are in an accident and are deemed to be at-fault.  The Florida DMV can also put an at-fault accident on your record if you are ticketed in an accident.  Some other violations that are considered to be “major” include careless driving, reckless driving, and speeding tickets that are over 15 mph above the posted speed limit.  These types of tickets carry a lot of points and can increase your insurance rates drastically.  Insurance companies think individuals with these violations are high risk.  Unfortunately another big rating factor is your credit history.  Research has shown that people with better credit are less likely to have an accident.  Insurance rates are also determined by the type of vehicle you drive.  Sports cars can increase your rate while vehicles with good safety features can lower your rate.  Last but not least, your location plays a big part of your insurance rate.  Living in a bigger city can increase the cost of your insurance.  Accident rates are much higher in larger cities because there is much more traffic.  If you have a bad driving record and you have questions about your insurance rate please feel free to give our office a call.

Florida High Risk Auto Insurance QuoteCost of insurance with a bad driving record Q&A

Why do Insurance companies use my credit history as a rating factor?  Research has shown that people with better credit are less likely to get into an accident and have a claim.  For this reason some insurance companies do charge a higher rate for individuals with a bad credit.  

How much will my insurance cost if I have a bad driving record?  Insurance rates are determined by so many diffrent factors that you would need to request a quote to be sure.  Insurance companies do not have a set price per person and all rating factors must be used to generate a quote.  

Why is my insurance higher because I live in a big city?  Insurance rates can be higher in a big city because there is much more traffic.  Research has also shown that accident rates are much higher in big cities.

How long with it take for violations and accidents to come off of my Florida driving record? Most insurance companies look at your driving record and claims history for the past three years.  

 Why choose Staybull if you have a bad driving record?

We are an independent insurance agency that specializes in insurance for high risk individuals that have a bad driving record.  Independent insurance agencies have the ability to shop through many major insurance carriers.  This allows us to find some of the best rates on the market for high risk drivers.  Our agency utilizes the latest technology so you can request a quote and purchase your insurance from any computer or smartphone.  We service the entire State of Florida and can answer any questions you have.  

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Staybull Insurance

1650 NE 26th ST #207
Wilton Manors, FL 33305
Phone: 772-924-0854

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