Florida Consumer Resources and Quotes (707) 563-6731.
Welcome Florida high risk auto insurance consumers. We understand
the concerns that you have trying to get insurance when you have had
a few tickets or accidents or even some credit problems that may put
you and your family in need of a high risk or non standard Insurance
Plan to secure insurance coverage
This website will help you locate the appropriate insurance that you need regardless of what insurance record you have had. Florida State Licensed Producer Agents are available to help you.
ARAIP-FLAIP-FLCAIP-AIP Assigned Risk or High Risk auto residual insurance markets consists of licensed drivers unable to purchase auto insurance through the Voluntary Market due to a variety of factors, such as their driving history, accident history or status as a first-time driver. The FL Car Insurance Assigned Risk or FL High Risk Auto Insurance often charges higher rates in your state, and is a last resort for licensed drivers that cannot obtain car insurance coverage elsewhere in the Florida preferred or voluntary auto insurance marketplace. To combat soaring insurance prices experts recommend educating yourself and then obtain Florida Car Insurance quotes from at least two sources.
For your convenience we have electronic signatures so you may get a quote and purchase insurance from any location. Your applications can be electronically signed from any computer or smart phone. We will provide you insurance cards and proof of coverage immediately via e-mail.
Why would my Florida auto insurer cancel my policy?
Technically, in most states your insurer may cancel your policy only if:
you fail to pay your premium;
you lose your driver's license;
you are guilty of material misrepresentation during the application
process i.e., you fail to notify your insurer of a recorded violation,
such as a drunken driving, or possession of drugs or any illegal
activity offense; or
you fail to report a substantial change of risk, such as buying a new
high performance sports car to replace an old high mileage family sedan.
However, your insurer can choose not to renew your policy for a variety
of reasons.
Do you have a bad driving record? Have you received a lot of speeding
tickets? Have you ever been caught driving drunk? Not only are these
scenarios considered unsafe and illegal, they are justifiable cause for
your insurer to label you a bad risk and refuse to renew your policy.
Some underwriters may feel compelled to cancel policies after only one
accident.
Where do you live? Has the neighborhood changed in the last few years?
Have the accident or crime rates risen noticeably? As regions are
reassessed periodically, their status could change and you could
suddenly find yourself living in a higher risk area, where your
insurer's rates may not be adequate to cover losses.
What do I do if my FL insurance Company cancels or refuses to
renew my policy?
Even "good" drivers can find themselves in the position of being dropped
by their current carrier. Reasons range from a couple of moving
violations, or multiple accidents, or other serious violations that make
you a high risk to situations outside your control, such as when
insurers in your state are suffering severe business losses. Overall
rises in claims or losses can cause insurers to become highly selective
in determining whom they can afford to offer to insure.
That is why it is important to note that if you are licensed to drive,
by law, you are eligible for insurance. However, your options for new
coverage may be limited. Each state has created and regulates a market
of last resort for those who cannot otherwise obtain coverage. These
groups have various names, depending on the state you live in, such as
assigned risk auto insurance plans or the residual market, or the high
risk pool. Your agent or insurance producer will know more about the
particulars in your state.
Regardless of the reason you were dropped or canceled by your insurer,
you need to act immediately to get another policy. Under no circumstance
should you drive your vehicle without knowing one hundred percent that
you have current insurance. Call your local agent to help you find new
coverage. If you do find yourself in the assigned risk residual market
pool, the price may be higher but it may be your only alternative in
maintaining your freedom to drive.
How do I keep my FL insurance company from canceling my policy?
The most obvious way to maintain your low risk status is to keep a clean
Florida DMV driving record. If you've been in an accident, consider
taking a defensive driving course. Even those of us who have been
driving for years rarely know the simple tricks to preventing accidents
through defensive driving.
Also, look into purchasing special safety and security features for your
car, such as anti-lock brakes and an alarm system, or try On Star. Your
licensed Florida insurance agent can give you further tips on how to
convince your insurer you're a safe driver.
What steps can I take to reduce my FL High Risk Car Insurance
rates?
Florida Insurers often discount their rates in order to encourage good
driving practices and the use of safety and security precautions.
Depending on the insurance company, you can often lower your rates from
5 to 55 percent.
Sometimes the investment you make in your vehicle is worth the discount,
and sometimes it's simply worth some peace of mind. For example, the
purchase of anti-lock brakes merits a discount from nearly every
insurer, but the discount probably will not pay for the brakes which
cost several hundred dollars during the normal life of your vehicle.
Anti-lock brakes are touted, nonetheless, as a life-saving feature and
deserves serious consideration when safety is a top priority. Insurers
generally offer discounts for:
Safety Features Anti-lock brakes, air bags and passive restraint systems
i.e., automatic seat belts.
Defensive Driving Clean violation record, driver's education courses for
teenagers and defensive driving or accident prevention courses for
adults insurance discounts for the latter are required in some states.
Security Systems Alarms, electronic locks, VIN etching and automotive
disabling devices.
Changing The Driving Habits Try commuting by public transit, using a
company vehicle for work-related travel and car-pooling.
Formal Agreements Not to Drink and Drive The availability of a discount
for signing such an agreement varies among insurers and states, however
is a powerful idea that works.
You may also lower your insurance rates by requesting higher
deductibles, which is the amount of money you pay out of pocket before
you make a claim. Increasing your deductibles on collision and
comprehensive coverage from $100 to $250, or even $500, will bring your
rates down. Moreover, you may not need collision and comprehensive
coverage if you drive an older car. Ask your agent which discounts are
available to you.
Finding the best coverage and lowest prices for Auto insurance is not
that difficult to shop for. Florida High Risk Auto Insurance consumer
help online is your resource for quick help to discuss coverage options,
rate and buy your policy. To help make shopping, comparing rates and
saving money on your insurance easier, Assigned High Risk Insurance
Organization provides free auto insurance comparison rates 24 hours a
day, seven days a week. Get competitive non biased help with Receive a
quote from our consumer comparison rating service any time day or night,
over the Internet. Spend a couple of minutes answering a few questions
about yourself, your driving record, vehicle information and insurance
needs. Local Florida Assigned Risk Insurance Agents will tell you how
much their company would charge you for an annual premium for your auto
insurance, in addition to rate comparisons from other major auto
insurers including most household name brand insurance companies in your
specific zip code.
Assigned Risk Auto Org. Web Services FL Insurance for commercial
insurance.