Find out how long you will be considered a high risk driver.
If you have been deemed a high risk driver in Florida, then this can have negative consequences, specifically on your auto insurance rates. While you will still be able to secure car coverage, getting Florida high risk auto insurance can be extremely costly. Fortunately, even if you are considered high risk now, this designation is not permanent. The length of time during which you are considered high risk will depend on the mistake that you made. Here are some of the things that can cause you to be declared high risk and how long these mistakes will affect you.
Gap in Insurance Coverage
If you have not continuously maintained your auto insurance coverage, then you will have to secure high risk auto insurance. Fortunately, you can once again secure access to more affordable car insurance rates after paying high-risk rates for six continuous months.
If you have been issued multiple tickets or been involved in several at-fault accidents within the last three years, then you will be considered high risk to insure. Generally, you will need to keep your driving record clean until some of your older violations fall off and then you can once again gain access to affordable insurance rates.
Major Traffic Violation
If you have received a major traffic violation, such as a DUI, then you could be considered a high risk driver for up to five years. However, securing an SR22 or FR44 filing and maintaining these higher coverage limits continuously, could mean that this violation falls off your driving record faster, and you can once again gain access to standard insurance coverage.
This is how long your mistakes will affect your auto insurance. Do you have additional questions regarding your Florida high risk auto insurance? If so, then do not hesitate to contact the experts at Staybull Insurance. We are ready to assist you with all your specialty car insurance needs today.