How Do I Get a Florida FR44 Insurance Policy?

Finding the Right Insurance Company for My Florida FR44

The process of obtaining a Florida FR44 insurance policy is relatively simple. Of course simple is a subjective term, but if you follow these instructions, it will be as easy as possible.

The first step is to contact a reputable agent or agency. My preference is always to work with an Insurance Broker as they can shop multiple companies to find the lowest rate. Insurance pricing fluctuates throughout the year based upon a number of factors such as win/loss ratios, financial stability, etc. Having the ability to shop the market at the time of purchase is critical to ensuring you have the lowest price available at that precise point in time.

Which Type of Policy Do I Need? Owner vs. Non-Owner Florida FR44

Basically there are 2 options; Owner and Non-Owner Policies. In the most simplistic explanation, if you need an Automobile on your policy, you’ll go for an Owner Policy. If you don’t need an Automobile on your policy, you’ll go for a Non-Owner Policy. If at all possible, try to keep an automobile OFF of your policy since it will come with a “Hefty” price tag. A Non-Owner policy still allows you to drive any automobile you’d like and comes with State Minimum Insurance Requirements built in. Speak to your agent about the difference between an Owner and Non-Owner Policy for further clarification.

What Information Will I Need to Provide?

The information needed to run your quote, for the most part, will be:

  1. Full Name
  2. Gender
  3. Address
  4. Phone Number
  5. Birth Date
  6. Relationship Status
  7. State your license was issued from
  8. Driver’s License Number
  9. VIN (Vehicle Identification Number) if you own an Automobile and need it listed on the policy.
  10. Whether you’re looking for an Owner Policy or a Non-Owner Policy

You can have a quote run for another individual, besides yourself, with the information listed above.

How Do I Pay?

The preferred method of payment is MasterCard, Visa, or Discover. I say this because you’re giving payment to an entity you’ve just “met”. While an overwhelmingly vast majority of transactions work as advertised, there’s Piece of Mind in the fact that if things go wrong, you have recourse from the Credit Card Company.

How Long Does It Take For My Florida FR44 Insurance Policy To Be Filed?

Depending upon the organization, your policy could be filed in as little as 30 minutes. The caveat is that the DMV in most states will take 24 to 48 hours to acknowledge the filing. While you should have your entire policy emailed to you almost immediately, some DMV locations only acknowledge your policy when it shows up in their system. While I don’t personally understand this, we are talking about the DMV.

Where Can I Find a Reputable Agent or Agency?

There are number of insurance agencies that provide excellent services for obtaining a Florida FR44 insurance policy. And, as luck would have it, we happen to be one of those agencies (how convenient is that?). Click Here to Utilize our LOWEST PRICE QUOTING ENGINE. However, whether you purchase from us or not, make sure you work with a legitimate organization that’s familiar with the Florida FR44 process, paperwork, filing methods, etc. Improperly filed paperwork causes unnecessary delays and could come with additional fines.

Best of luck and hopefully the process of obtaining a Florida FR44 is a “Once in a Lifetime” experience!