Yes — while high-risk insurance is always more expensive than standard coverage, it is still possible to find affordable options by working with an experienced broker. At Aaxel Insurance Brokers, we compare multiple insurers, including specialty providers, to help you avoid the highest Facility Association rates when possible.

Strategies to reduce costs include:

• Increasing your deductible (while ensuring it remains affordable if you have a claim)
• Bundling policies (e.g., auto and home insurance) for a multi-policy discount
• Choosing a vehicle with a low repair/replacement cost
• Avoiding unnecessary coverage you don’t need for an older or low-value vehicle
• Paying annually instead of monthly to avoid financing fees

We also educate clients on steps to improve their future rates, such as maintaining a clean driving record, completing driving courses, and avoiding lapses in coverage.

The key is not giving up — many drivers assume there’s no choice but to accept the highest rate. With the right broker, you can uncover competitive options and develop a strategy to return to standard rates as soon as possible.

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