GET A QUOTE

It only takes a few minutes to get a QUOTE More »

Choose a Policy

Choose rates from top all the top insurers in one place More »

SAVE!

Which Rate is the Lowest? You could save Hundreds! More »

 

Tag Archives: fr44 insurance

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. 

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