Shopping for Auto Insurance Florida FL

Reader’s Question:

I have had multiple speeding tickets and am worried that my auto insurance provider will refuse to renew my policy. What can I do?

Jill

Miami, FL

Auto insurance providers generally will not refuse to renew your policy. They may increase your premiums, though. This is because insurers think that motorists who receive citations are high risk, thus they need to pay more. Motorists who have received Florida traffic citations are given the option of paying the ticket and taking online traffic school. By taking this course, you will qualify for a fine reduction. Your safe driver record will also be maintained since there will be no points on your driving record. This means that your auto insurance provider may not increase your insurance rates so long as there was no wreck associated with the ticket. You can also choose to attend a classroom course on Florida Basic Driver Improvement. This can only be taken once in any one-year period, and not more than five times in your lifetime. This course is permitted by the State of Florida to teach defensive driving techniques.

About your insurance renewal, if your insurer declines to renew your policy, do some more shopping. Auto insurance companies use different methods to determine your risk. You might want to inquire from an independent insurance agent since they usually represent multiple companies. This will save you time because you can find out about many insurance companies and what they offer instead of calling each of these companies individually.

Tags: auto insurance premium, traffic school, traffic violation