How can Craig purchase auto insurance given his poor driving record?

The most suitable option for Craig to purchase auto insurance given his poor driving record is through the Florida Automobile Joint Underwriting Association (FAJUA). This organization was established to provide insurance coverage for individuals who are unable to obtain insurance through the traditional market due to various reasons, including high-risk factors like a poor driving history.

The FAJUA functions as a safety net for those classified as high-risk drivers, allowing them to secure necessary auto insurance where their options with regular insurance carriers may be limited or denied altogether. This is crucial for Craig, as many private insurers might refuse coverage or charge exorbitant rates due to his driving record.

The other options, while they may seem viable, do not cater specifically to individuals with poor driving records like Craig. A private insurance agent typically represents standard insurance companies, which are more likely to be stringent in their underwriting guidelines. National insurance companies often have their own risk assessment protocols that may not favor someone with Craig's history. Lastly, state government insurance programs might provide some coverage options, but they typically do not focus exclusively on high-risk individuals in the same way as the FAJUA does. Thus, the FAJUA stands out as the most appropriate avenue for Craig to obtain the necessary auto insurance.