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The Consequences for Not Carrying a Required Florida FR44

If the State of Florida has Mandated that you obtain a Florida FR44 Insurance Policy… and you drive without one… what are the consequences?

Under Florida Law, the penalty for driving without proper insurance is punishable with fines between $150 and $500, loss of license and being required to carry FR44 approved insurance for at least three years. In addition to the initial fines, the driver will be responsible for court costs and drivers license reinstatement fees.

While SR22 and FR44 insurance coverage is mandatory in several cases, it is by no means the limit to the coverage that a driver can get. These are simply the bare minimums. Full coverage insurance, including collision and comprehensive components, is still far better than the minimums that SR22 and FR44 impose. Because no two insurance situations are alike, Florida auto insurance agents should be consulted to help determine the best coverage in an individual. Make sure the coverage that is ultimately chosen fits your needs. Don’t take out full coverage on a car that can be replaced with a few thousand dollars. You’ll be able to save that amount in a few years based on the savings in premium differences between PIP/PDL and full coverage. In contrast, don’t get PIP/PDL if you own a new Cadillac that will cost over $30,000 to replace if it is totaled.

Florida FR44 Insurance, Florida DUI Insurance, FL FR44, FR44

Select Insurance Group Specializes in Non-Owner and Owner Florida FR44 Insurance Products. With thousands of policies sold, Select Insurance Group has the resources, experience, and customer support to find you the right product at the lowest price. As Insurance Brokers, we’re not tied to any specific company. Our objective is to find the right insurance product that matches your legal requirements and budget. Select Insurance Group routinely finds Florida FR44 Policies that are thousands of dollars less than competing quotes… simply by shopping the market at the time of purchase. Let Select Insurance Group find you the lowest price today! Call Now or enter your information into our Quoting Engine!

PORTIONS OF THIS ARTICLE RE-POSTED FROM FLORIDAAUTOINSURANCECHEAP.COM/SR22-INSURANCE/ POST

Florida FR44 – Keeping Things Simple

What’s the Easiest Way to Take Care of a Florida FR44?

So you were convicted of a DUI in the State of Florida and now you have to carry an FR44 for a few years. How do you go about obtaining one? Are there different prices for the same thing? How long does it take to get one?

Ironically, you don’t have to know anything about a Florida FR44 to get one. With minimal personal information such as your name, address, driver’s license number, date of birth, case number… you can get a quote from a reputable insurance agency and a policy can be issued. Most insurance agencies will file all of the proper paperwork for you, notify the appropriate authorities of your compliance, and deliver your policy via both email and snail mail. Basically you sit back and wait anywhere from 24 to 72 hours for your policy to be uploaded to the system in Tallahassee. Once your compliance has been acknowledged by the Florida DMV, you’re free to pay your reinstatement fee and get your license back (provided it was suspended in the first place). You are also free to get an Ignition Interlock Device if required. Payment for the policy can usually be made with a MasterCard, Visa, Discover and sometimes AMEX.

Florida FR44, Florida DUI Insurance, FL FR44

Pricing does vary between insurance carriers, often significantly, which is why working with an Insurance Broker is a good idea. A Broker can shop multiple companies to find the lowest rate for your unique situation. They also learn through experience which companies are better for different situations. Sometimes pricing can vary by as much as $1,000 for the same coverage over a 6 month period of time. It should also be noted that a Florida FR44 MUST be paid in its entirety on the 6 month policy. There are certain exceptions, but a good rule of thumb is to expect to pay anywhere from $300 to $3,000 depending on whether you need a Non-Owner Florida FR44 or an Owner Florida FR44. An Owner policy simply means you need to put an automobile on your plan. With a Non-Owner policy you can’t own a vehicle, but you can legally drive someone else’s car.

Chances are you’ve spent a small fortune on this DUI issue already. Don’t make getting a Florida FR44 any harder than it needs to be.

Florida FR44 – What It Is and How to Get One… Cheap

How to Obtain the Lowest Price on a Florida FR44

What Is an FR44?

An FR44 may be necessary when you have a DUI / DWI / OVWI or other alcohol related violation. Similar in theory to an SR22, an FR44 will mandate that you purchase and maintain insurance coverage greater than the State Minimum Requirements. A second reason for this filing, beyond punishing the violator for his or her offense, is that the State doesn’t trust that the driver will purchase and continue to pay for their insurance policy without a “Nanny System” in place. The insurance company reports to the State DMV, on a monthly basis, that the insured is indeed covered with the required policy amounts. If at any point in time your coverage were to lapse, the insurance company immediately reports that lapse, your license is suspended, and unbeknownst to you… you’re no longer legally able to operate a vehicle. The coverage that must be maintained is 100/300/50.

The first question is whether you need an Owner or Non-Owner Policy. You’ll need an Owner Policy if you actually own a vehicle that you plan on driving. In its simplest form, if your automobile needs to be covered on the insurance policy, you need an Owner Policy. Conversely, if you don’t own a car and plan on just driving other automobiles, insured by their respective owners, you can purchase the lesser expensive Non-Owner Policy.

What Information will you Need to get a Quote on an FR44?

The information you’ll need to provide for a solid quote is as follows:

  1. Full Name
  2. Your Gender
  3. Your Physical Mailing Address (P.O. Boxes are Not Allowed)
  4. Phone Number
  5. Birth Date
  6. Relationship Status (Married, Divorced, Single, Widowed)
  7. Driver’s License Number
  8. The State You’re Licensed In
  9. The State You Need the Filing in (You Can Live In One State and Have to File in Another)

10. Whether You Need an Owner or Non-Owner Policy

11. If an Owner Policy is Needed, the VIN (Vehicle Identification Number) on that Automobile

12. If You Need a Florida FR44, Your Case Number (or Conviction Number), which is a 9 Digit Number (No Letters, All Numbers). You can call the DMV and Request this Number if you Don’t Know it

Quotes can be run in as little as 5 minutes and a number of different insurance companies can be shopped. Shopping the market ensures you get the best product at the best price. You can immediately purchase your FR44 with a MasterCard, Visa, or Discover Card (in most cases). It is not necessary for you to be the Card Holder; anyone can pay for your policy.

What does a Florida FR44 Cost?

It should be noted that since legislation was passed in 2008, a Florida FR44 MUST be paid for in its entirety at the time of purchase (Unlike its SR22 counterpart, which can be paid for via a monthly payment plan). This is usually the biggest issue with obtaining the insurance since the rates can span from a couple of hundred dollars to a few thousand.

Many factors play into the pricing of the plan; demographics, insurance company rates, age, gender, number and severity of violations, etc. An MVR Report will be mandatory before a quote can be generated. One of the worst things to show up on your record are “At Fault” accidents. Basically, if you’ve cost insurance companies money in the past, you’re going to pay for it… that’s if you can even be covered at all. A seriously bad driving record, one with 2 or more At Fault accidents, can actually cause most insurance companies to decline coverage altogether. However, we have ways of finding alternatives and have only met a few cases we couldn’t get coverage for.

How Does the FR44 Get Filed with the State?

I can’t speak for all Agents or Agencies, but if you obtain your Florida FR44 through us, we file everything for you. We put the paperwork together, make the policy active, notify Tallahassee of your compliance, electronically file your FR44 with the DMV, and email your policy to you within 30 minutes. Additionally, in approximately 5 business days, you’ll receive a “Hard Copy” of your policy from the insurance company.

Even though all of this happens quickly, it will still take anywhere from 24 to 48 hours before you’ll show up in the DMV’s system. Don’t think you can purchase a policy while sitting at the DMV and by the time they call your number, have your information logged into the system. On special occasions, with the right DMV personnel, they can/will process everything with a copy… it’s “Hit and Miss”. Obviously the best thing to do is give yourself at least 2 weeks before you need to have your license reinstated. This will ensure a smooth transaction.

Where Can You Obtain a Florida FR44?

While a number of insurance companies will sell you an FR44, many of them don’t really want to work with the “High Risk” driving market. Therefore, they price their products accordingly. By virtue of being able to offer the insurance, the company has been “cleared” by the State of Florida… so don’t worry about the company itself. However, if you’re going to receive 100/300/50 coverage no matter which company you choose, you may as well find the Lowest Price. Insurance pricing fluctuates throughout the year based upon win/loss ratios, financial stability, etc. so the price you received yesterday may not be the best price today. While it’s smart to request a quote for the future, if for no other reason than to gauge an estimated price for your policy, understand that the rate may change by the time you actually purchase the policy.

We would be happy to shop the market for your Florida FR44. You can call us at 1-855-678-6977 to speak with a licensed insurance agent or you can complete our on-line quoting form at www.MyFloridaFR44.com.

How Do I Get A Cheap Florida FR44?

The Buyer’s Guide to a Cheap Florida FR44

First, What is an Florida FR44?

A Florida FR44 Filing may be required when you have a DUI / DWI / OVWI or other alcohol related violation. An FR44 filing is similar in theory to an SR22, except that it may indicate that you maintain more than the State Minimum Coverage as just the minimum amount of coverage required by the of Florida.

If you need a Florida FR44, you will likely be required to purchase more than just the minimum amount of liability insurance.  Our agents can help you to determine what the requirements for insurance are for your state, based on your situation.

Do you need an Owner Policy or a Non-Owner? We can help you decide, but in general terms an Owner Policy has an automobile attached to it and a Non-Owner Policy doesn’t.

The terms “SR22 insurance” and “FR44 insurance”, much like “DUI Insurance”, are used by the general public, but are not official types of insurance.  Our agency helps with auto insurance for people who have a DUI or DWI on their records, as well as adding an SR22 or FR44 Filing to the insurance policy.  When you contact us, we can help explain in better detail what these terms mean.

What information do I need?

In many situations you may receive a case number.  This is usually a 9 digit number (no letters). Please make sure to provide us with your case number so that we can have the FR44 form issued correctly.  If you have your DUI / DWI conviction date available, that would be helpful as well. 

To obtain an estimate for the price of insurance with an FR44 only takes a few moments.  When you are ready to purchase your insurance, we can provide you with a new temporary ID card and FR44 in the same day. 

Determining the Status of Your Florida Driver’s License

Determine the Status of Your Florida Driver’s License

The Department of Highway Safety and Motor Vehicles (DHSMV) and the courts have the ability to suspend or revoke your driver’s license on a variety of grounds.

Sometimes, your driver’s license can be suspended without your knowing it. It’s easy to check the status of your license when you look at your driving record.

Check Your Driving Record

Your driving record report will advise you if your driver’s license is currently valid or whether it’s suspended or revoked. The record will also show points against your license and, in some cases, any accidents you have had.

You can order your driving record in one of three ways: online, in person, or through the mail.

  • Order Driving Record In Person
    1. Complete and notarize a Request for Personal Information if you want your personal information shown on the record.
    2. Be ready to pay the $2.10 or $3.10 fee, depending on whether you want a certified copy and how far back you want to go.
    3. Visit your County Clerk’s office. You may want to call in advance to see which forms of payment are accepted.
  • Order Driving Record By Mail
    1. Write a letter asking for your record or the record of the individual you’re researching. Remember to include your full name, your date of birth, social security number, and Florida driver’s license.
    2. Fill out and notarize the Request for Personal Information if you are ordering your own record and want your personal information visible on it.
    3. Include a check or money order to cover the fee. It’s $2.10 for a one year history, or $3.10 to go back completely or for a certified copy.
    4. If you can wait two weeks for the receipt, mail the application and fee to:
      • Bureau of Records
      • P.O. Box 5775
      • Tallahassee, FL 32314-5775
    5. To request that your record is sent by next-day delivery, send to:
      • Bureau of Records
      • 2900 Apalachee Parkway, MS 90
      • Tallahassee, FL 32399-0575

Suspended in All States?

If you move and have a suspended license in your old state, you won’t be able to get a new driver’s license in your new state, either. This is because of the National Driver Register (NDR) and the Driver License Compact, both of which tell other states if you’re suspended anywhere in the U.S.

Penalties for Driving on a Suspended License

If you drive on a suspended license, your penalties depend on the circumstances. You could be charged with a misdemeanor or a felony. The DHSMV provides a special bulletin you can download that highlights the penalties for driving on a suspended license.

Contact an Attorney

If you’re being charged with a felony for driving on a suspended license, you may want to get advice from an attorney. An experienced attorney may help lower your costs and penalties.

Obtain a Restricted License

Some people may have the option of getting a hardship license so they can drive to and from work. Whether you qualify depends on factors like your offense and how many points you have.

To find out if you qualify, you need to contact your local Administrative Reviews office. To find your office, look under your county’s listing for a heading that reads “Under Suspension – Need Driver License for Work,” and a phone number to call.

If you need more assistance with obtaining a hardship license, seek legal advice.

Reinstate Your License

When you’re allowed to reinstate your license―and the requirements you must fulfill to do so―depends on the reason for your license suspension.

Some of these scenarios may cause your insurance to jump; you may be able to get a lower rate if you shop around.

The process differs slightly from scenario to scenario, and you may want to consult an attorney before you get started. Here are a few examples:

Reinstate for Child Support Delinquency

  1. To get your license back, you must become current on your support and get affidavit Form # DHSMV 73986 from the clerk of the court, child support agency, or depository.
  2. Bring this and a $60 fee in to your County Clerk’s office.
  3. If you received the affidavit before your license got suspended, the fee will be waived. Just show them the date on the affidavit to prove it.

Habitual Traffic Offender

  1. Your license is suspended for five years. After one year, you can ask for a hardship license from the Administrative Reviews office.
  2. You must attend driver improvement. If you got a DUI, you’ll need to go to DUI school.
  3. After five years, you’ll have to request a new license from the Administrative Reviews office (the same place that gave you your hardship license).

Violation Resulting in Death or Personal Injury (Not a DUI)

  1. Your license will be suspended for a year.
  2. You’ll have to take Advanced Driver Training and an exam.
  3. You’ll have to pay $35 to reinstate your license, plus license fees.

Failure to Comply with Traffic Summons or Pay a Fine

  1. You’ll have to pay your fines at a traffic court or online, if your county allows.
  2. Bring your payment proof to a DMV office and pay a $60 fee.

Keep Your Record Clean

There are many ways to get your license suspended. The state has an interactive quiz that tests your knowledge of how your license may be suspended. Try it out.

In the meantime, avoid:

Giving False Information on a License Application

If you give wrong information on your driver’s license application, your license will be suspended. You may request a hearing, but if you’re found to have committed fraud, you’ll have to pay fines and wait for a period before obtaining a new license.

Getting Too Many Points

Getting citations resulting in too many point violations on your record.

  • 12 points in 12 months: 30 day suspension.
  • 18 points in 18 months: Three month suspension.
  • 24 points in 36 months: 12 month suspension.

Refusing to Comply with State Laws

Your license is used as a compliance tool in law enforcement. If you don’t stop for a school bus, are using tobacco if you’re under age 18, or don’t pay your child support, you can have your license suspended.

Refusing a Blood Alcohol Test

Under state law, you must take a blood alcohol test when you’re suspected of driving under the influence. Your license could be suspended even if you’re innocent, if you fail to comply.

Lacking Florida Insurance

You must have current and adequate Florida insurance with $10,000 minimum personal injury protection and $10,000 minimum property coverage to drive. If you don’t, you face a suspended license.

Remember, you must get your insurance from a company licensed in the state.

Ignoring Your Traffic Tickets

If you’ve gotten traffic tickets that you don’t pay, or if you don’t appear in court when you’re supposed to, your driver’s license can get suspended. Your signing the ticket when you receive it means that you’re acknowledging you will take care of the ticket.

Getting a DUI

A DUI results in an automatic suspension. How long the suspension lasts depends on how many times it’s happened. Suspension times vary from 180 days to permanent revocation.

INFORMATION RE-POSTED FROM DMV.ORG

Florida DUI Conviction Information

The Repercussions of a DUI in the State of Florida

If you need another reason to avoid a DUI conviction, consider the fact that a Florida driver’s license suspension for a Driving Under the Influence (“DUI”) conviction will cause your auto insurance rates to increase dramatically for the next five years.

A DUI conviction might also make it more expensive to obtain other forms of insurance, including life insurance, medical and disability insurance. Contact a Tampa DUI Attorney to find out more about the effect a DUI conviction will have on your car insurance rates including the requirement for FR 44 insurance. Find the lowest price on Florida FR44 Insurance here.

Increased Insurance Premiums with FR-44 Insurance

Your Florida auto insurance premiums could increase by 200% to 300% from the amount you paid prior to your DUI arrest. Even worse, your insurance company may cancel or fail to renew your automobile insurance coverage in Florida. If you shop for new automobile insurance after being canceled from your old insurance company, the fact that your auto insurance is canceled will cause an additional increase in insurance premiums.

For many the increase in insurance premiums is so dramatic that maintaining automobile insurance becomes difficult or impossible. Any lapse in insurance will result in an automatic suspension of your driver’s license under Florida law.

Higher Policy Limits

On February 2, 2008, the Florida Department of Highway Safety and Motor Vehicles (“DHSMV”) introduced the new financial responsibility certification required under Section 316.193, Florida Statutes. The certification is a form called a Florida FR-44 Form and is similar to the SR-22, which was required prior to February 2, 2008. One of the differences between the new FR-44 form and the old SR-22 form is that higher liability limits are now required.

After a DUI conviction in Florida, your license will be suspended by order of the court. In order to reinstate your Florida driver’s license, you will be required to obtain a FR-44 Form which must be maintained for three years. You obtain the FR-44 form from your auto insurance company. As soon as you ask for the FR-44, your auto insurance company will know that your driver’s license has been suspended for a Florida DUI conviction, and your status will be changed to “high risk” causing the increased premiums.

FR44 Insurance in the State of Florida

The Florida 44 Form is a certificate of continuing financial responsibility showing the limits of your automobile liability insurance that must be kept on file with the Florida DHSMV for three years from the ending date of any revocation. The Florida 44 form also requires the insurance company to notify the DHSMV if your insurance policy is canceled, terminated, or lapses for any reason.

You must increase your auto insurance policy to comply with Florida FR44 liability limits, which are 100/300/50. The 100/300/50 limits means that you must have bodily injury liability insurance in the amount of $100,000 per person, $300,000 per occurrence and $50,000 property damage liability coverage. To reinstate your Florida driver’s license, you must usually pay a reinstatement fee of $150 (for a first suspension), $250 (for a second suspension), or $500 (for a third suspension). For quotes on Florida FR44 insurance policies, click here.

Find Out More About Avoiding the Hidden Costs of a DUI Conviction

If you have been arrested for driving under the influence (“DUI”) in Hillsborough County, Pinellas County, Polk County or Pasco County, contact an experienced Tampa DUI Attorney to discuss the true costs of a Florida DUI conviction.

The Sammis Law Firm Lawyers handle driving under the influense (“DUI”) cases throughout the Tampa Bay Area, including the cites of Tampa, Pinellas, St. Petersburg, Plant City, New Port Richey, Dade City, and Bartow, Florida. Contact the Sammis Law Firm for a free consultation to discuss your Florida DUI arrest and pending DUI charges in Hillsborough County, Pasco County, Pinellas County, Polk County or the surrounding areas.

INFORMATION OBTAINED FROM CRIMINALDEFENSEATTORNEYTAMPA.COM

Florida FR44 Insurance Now Requires Full Payment

Florida FR44 insurance now requires full payment – Low cost polices still available to smart buyers!

As of May 4th 2012, Florida car insurance policies with Florida FR44 filing may not be cancelled by the insured or company after 30 days. The initial 30 day period is to allow the insurance company to complete its underwriting. After the company determines the risk eligible, according to its rules and guidelines, the non cancellable provision becomes effective. At this time, the company will notify the DMV and the DUI driver can reinstate their license.

From now on, most companies will only offer a paid in full bill plan for such policies. It’s very important to shop around because some companies will still offer a payment plan, although they might be soon to follow. Also, with any of the companies requiring the policy to be paid in full, the coverage on the  policy cannot be changed during the policy period and the premium is non refundable. Any changes to the risk will require a new policy to be purchased and paid in full. If the new policy is from the same company, then they may apply a credit from the old policy to the new one.

This action will ensure that a DUI driver will have continuous Florida FR44 insurance with 100/300/50 liability in effect, for at least 6 months, after they reinstate their license. Having the proper insurance is good for everyone concerned, however, having to pay for it all at once will be unaffordable for some, leaving them without. Their license will remain suspended and any driving they may do invites additional harsh consequences.

With some companies, even drivers who have had a Florida DUI insurance policy continuously in force without any lapse and paid monthly, must pay their renewal in full. The new mandate is very unfair to all these policyholders and many of them will simply be unable to pay. This will cause their license to be suspended and subject to additional reinstatement fees when they are finally able to afford a paid in full policy.

With low loss ratios and cancellations, Florida FR44 insurance policies are profitable for companies and many are competing for this business with sensible rates. The new rule will make the policies even more attractive for insurance companies which will have a price reducing effect for consumers. In the meantime however, it simply means the policyholder will have to “come up with the cash” for a paid in full policy with some companies to keep their license active. Some drivers who are unable to pay will inevitably drive without car insurance, making the mandate counterproductive in this circumstance.

Most people agree that driving while intoxicated is dangerous and should be dealt with aggressively to reduce the number of incidences. I do not believe this aggressive action will have much of an effect at reducing the number of DUI drivers, and may increase the number that drive without insurance. Punishing policyholders who have been compliant by maintaining their insurance and Florida FR44 filing in good standing, and forcing them to pay for their renewal premium in full, seems unjust to me.  I believe “Anyone can easily make this mistake and most learn their lesson the first time.” Targeting repeat offenders and those that do not maintain their required insurance would be a better approach.

Article Information Source (in part): floridafr44.com

Florida FR44 Or Virginia FR44 – Non-Owner and Owner Policies

What Is An FR44?

In some states, such as Virginia and Florida, an FR44 Filing may be required when you have a DUI / DWI / OVWI or other alcohol related violation. An FR44 filing is similar in theory to an SR 22, except that it may indicate that you maintain more than just the minimum amount of coverage required by the state requesting it.

If you need an FR44, you will likely be required to purchase more than just the minimum amount of liability insurance.  Our agents can help you to determine what the requirements for insurance are for your state, based on your situation.  Depending on the sate in which you reside, we will help you to determine which form to use, either the SR22 or FR44.

Cheap Florida FR44 Insurance, Cheap Virginia FR44 Insurance

The terms “SR22 insurance” and “FR44 insurance”, much like “DUI Insurance”, are used by the general public, but are not official types of insurance.  Our agency helps with auto insurance for people who have a DUI or DWI on their records, as well as adding an SR22 or FR44 Filing to the insurance policy.  When you contact us, we can help explain in better detail what these terms mean.

What information do I need?

In many situations you may receive a case number.  This is usually a 9 digit number (no letters). Please make sure to provide us with your case number so that we can have the FR44 form issued correctly.  If you have your DUI / DWI conviction date available, that would be helpful as well.

To obtain an estimate for the price of insurance with an FR44 only takes a few moments.  When you are ready to purchase your insurance, we can provide you with a new temporary ID card and FR44 in the same day.

How can www.SR22Coverage.com help me?

We shop a variety on insurance carriers in over 39 states to help you compare the rates and coverage options so that you can choose the price and amount of coverage that works for you.  Immediate quotes are available for SR22’s or FR44’s.  Our licensed insurance professionals work hard to understand your needs and to be here for you.

Partial Article Information Obtained From: http://www.stratumins.com/dui/what_is_an_fr44.htm

Where Can I Find Cheap FR44 Insurance In Florida?

Florida FR44 – Facts and Resources

If you’ve been convicted of a DUI in Florida, you’ll be required to obtain  two insurance-related certificates in order to regain your driving privileges.  These are the national SR22 form and the lesser-known FR44 form. While the  procedure for obtaining the former has been documented exhaustively in print and  online, there’s far less information available about  the latter. Since the FR44 is a Florida-specific document that has few analogs  elsewhere in the United States, it can be  difficult to find reliable advice about procuring one. Fortunately, it’s not  difficult to file an FR44. Once you’ve done so, you’ll be able to source  insurance quotes from a range of providers.

First, it’s crucial to recognize the differences between the SR22 and the  FR44. As a resident of a state that requires drivers to file an FR44 form,  you’ll almost certainly be required to pay upfront for your insurance coverage.  In fact, Florida law prohibits insurers from charging monthly premiums on FR44  policies. This restriction is designed to  protect the financial health of the  insurers that operate the state and penalize DUI-convicted drivers in equal  measure.

Florida FR44 Insurance, Cheap Florida FR44 Insurance

Unfortunately, the high cost of FR44 policies means that this requirement  will force you to make a substantial outlay before  getting back behind the wheel of your car. To make matters worse, Florida is  notorious for its high insurance rates. After your DUI, it’s likely that your  already-high auto insurance premiums will double overnight. Even if you have an  impeccable driving record, you might be unable to find an FR44 insurance policy that  costs less than $2,500 per year.

Additionally, you may have to pay for your policy in six-month increments. If  you have a new or financed vehicle, this is especially likely. Given the  constraints of the “paid-in-full” rule issued by Florida’s insurance regulators,  many insurance companies prefer to shorten the effective periods of their  high-risk policies. Frequent renewals permit these companies to account for any  changes in a driver’s accident history, criminal status or credit profile.  What’s more, this arrangement enables  DUI-convicted drivers to make smaller insurance outlays and put more of their  hard-earned funds toward other DUI-related expenses.

Ultimately, you’ll find affordable FR44 insurance quotes by searching online  aggregators or calling the various auto insurance companies that conduct  business in Florida. While you might be shocked by the cost of the policies that  you find, you may be able to reduce your total insurance costs by taking  advantage of certain discounts and credits.

Article Source: www.thelawdictionary.org