Reader’s Question:
My friend was caught by the police while driving my car under the influence of alcohol here in Florida. It’s his second citation already, and I’m sure he’s had other violations, too. Now, he is planning to get his own car and insurance for it. What kind of insurance would he get with the kind of driving record that he has?
Hazel
Miami, FL
Citations for traffic violations are the most common reasons why auto insurance companies give high insurance premium rates to customers. A driver who has poor driving record is, more often than not, automatically regarded as a high risk driver, and high risk drivers are commonly offered non-standard auto insurance.
Non-standard auto insurance is a kind of insurance that is given to a driver whose underwriting records are considered unsatisfactory by auto insurance companies. This type of insurance often involves a premium rate that is higher than what is considered as “standard” or preferred.
Below are some of the criteria for drivers that qualify for the non-standard auto insurance:
- Poor driving record with a number of citations listed in the motor vehicle record (MVR)
- Drivers who have recently been in a serious accident, causing severe damage to others or to themselves
- A number of claims made in the past from auto insurance companies
- Custom-built or high-powered sports cars
- Insufficient driving experience
- Lapse in insurance coverage
Your friend may try to directly search for auto insurance companies that offer non-standard insurance since he is more likely to be offered with this type of insurance than the standard one. There are a couple of insurance companies that offer non-standard insurance there in Florida. Try getting online quotes for a quicker search.
Tags: car insurance rate, drunk driving insurance, DUI, DUI insurance, high risk insurance