What Is a High Risk Driver?
Some people are better drivers than others, this is just an indisputable fact. People who have a history of car accidents or collisions are often deemed high risk drivers, because they have a greater statistical likelihood of being involved in an accident. Additional risk factors that affect categorization as a high risk driver includes convictions of reckless driving, driving under the influence, and numerous traffic citations and speeding tickets. Unfortunately, such drivers are often subject to much higher insurance premiums, due to their statistical likelihood of getting into an accident.
Being a high risk motorist does not always correlate to your driving behaviors in the past. For example, if you are a teen motorist, you will be labeled high risk whether you have a tarnished driving record or not. For some reason, teenagers have a higher probability of committing traffic violations, or getting into collisions. Furthermore, if you do not own your own home, you too may be subject to a similar bias. While this seems unfair, people who are not homeowners are typically perceived as unstable. If you have never had insurance before, then you may also be categorized as a risky driver.
Another strange, deciding factor in your risk level as a driver is your insurance credit score. Acquiring a high insurance score is relatively challenging, but it does factor in. Typically, individuals with a low credit score incur more risk probability than those with a higher credit score.
The Right Steps
If you are a high risk motorist, there are a few fundamental steps that you can take to remedy the situation. While you cannot efface your driving record from existence, you can take vital steps to lower your perceived risk. For example, you may consider taking driving safety courses that are approved by your insurance agent. Or, you may even consider selling your current car model in exchange for a less risky model, acclaimed for its safety features. If you drive safely, follow traffic laws, and refrain from getting a ticket for about a year, this will improve your driving record, as well.
A High Risk Insurance Provider
FAJUA, or The Florida Automobile Joint Underwriting Association from YourFloridaInsuranceQuotes.com, caters to drivers who have been categorized as high risk. This company recognizes that people fall prey to mistakes throughout their lives. Individuals may struggle to afford their next credit payment. They may be subject to the occasional speeding ticket. Furthermore, a person may simply be stigmatized a high risk driver because of their demographic (e.g. teens). Regardless of one’s circumstances, everyone deserves a fair shot at car insurance. FAJUA provides insurance to those who have been rejected by other agencies. When there is no one else to turn to, this company is there to provide all required auto insurance services. When you need a last resort, this is the place to turn to.
This is a great alternative because it can grant you a nice reprieve from your endless car insurance search. Whether you have received serious traffic violations, or merely fall into the category of a high risk driver, this company can help you.