Don't let a few tickets or accidents keep you from finding affordable coverage. Discover proven strategies that high-risk drivers in Orlando use to reduce their premiums while maintaining quality protection.
Being labeled a "high-risk driver" doesn't mean you're stuck paying sky-high premiums forever. In Florida, where auto insurance rates are already among the highest in the nation, high-risk drivers face even steeper challenges. But with the right strategies and a knowledgeable insurance agent on your side, you can significantly reduce your costs.
What Makes You High-Risk?
Insurance companies consider you high-risk if you have:
- Multiple traffic violations in the past 3 years
- At-fault accidents on your record
- A DUI or DWI conviction
- A lapse in coverage
- Poor credit score (in states where it's considered)
1. Shop Around with Specialized Insurers
Not all insurance companies view risk the same way. Some insurers specialize in high-risk drivers and offer more competitive rates than traditional companies. Don't assume the first quote you get is your only option.
2. Take a Defensive Driving Course
Florida allows drivers to receive up to an 18% discount on their auto insurance by completing a state-approved defensive driving course. Even better, you can take many of these courses online at your own pace.
Course Benefits:
- ✓ Up to 18% insurance discount
- ✓ Potential point reduction on your license
- ✓ Improved driving skills and awareness
- ✓ Online options available
3. Increase Your Deductibles
One of the fastest ways to lower your premium is to increase your comprehensive and collision deductibles. By raising your deductible from $500 to $1,000, you could save 15-30% on these coverages.
Deductible Impact Example
| Deductible | Annual Premium | Potential Savings |
|---|---|---|
| $500 | $2,400 | - |
| $1,000 | $2,040 | $360/year |
| $1,500 | $1,800 | $600/year |
4. Bundle Your Policies
Combining your auto insurance with home, renters, or other policies can result in significant discounts. Most insurers offer multi-policy discounts ranging from 5-25%.
5. Maintain Continuous Coverage
Gaps in coverage can make you appear even riskier to insurers. Even if you're not driving, maintain at least minimum coverage to avoid lapses that could further increase your rates.
"The key to success as a high-risk driver is patience and persistence. Your rates will improve as your driving record improves, but there are immediate steps you can take to start saving money today."
Additional Money-Saving Tips
Consider Usage-Based Insurance
If you're a safe driver despite past mistakes, usage-based insurance programs can help prove your current driving habits and potentially lower your rates.
Ask About Low-Mileage Discounts
If you drive less than 12,000 miles per year, you might qualify for a low-mileage discount.
Review Your Coverage Annually
As violations and accidents age off your record, your rates should decrease. Make sure your insurer is adjusting your premiums accordingly.
Ready to Lower Your Rates?
Our experienced agents specialize in finding affordable coverage for high-risk drivers in Orlando. We work with multiple insurers to find you the best rates available.