Tag Archives: FL FR44

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!

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.

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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

Getting the Best Bang for your Buck – Shopping Florida FR44 Insurance

Simply put, you MUST work with an Experienced Florida FR44 Insurance broker that shops multiple carriers.  Working with a captive company/agent like a GEICO, State Farm, or Allstate (that don’t really offer or are not in the market for FR44’s) is a recipe for expensive premiums.  FR44 & SR22 Experts, LLC works with companies that exclusively work with drivers that have:

  • Multiple Traffic Violations
  • Suspension of  their driver’s license
  • Drunk driving violation(s)
  • Driving without insurance violations

Simply put, we can get you the best deal because we shop multiple carriers that are geared toward handling FR44 filings.  Companies like PEAK property and Casualty a/k/a Sentry Insurance, Progressive, Foremost, Gainsco and others.  These companies WANT your business and we will find you that sweetheart-of-a-deal you are looking for.  Many times we are priced at 1/4 of the price of our competitors, simply because we can explore multiple options.  Rest assured, FR44 & SR22 Experts, LLC has over 10,000 customers and know how to get you back on the road, painlessly and quickly.

Many times, a driver will find themselves where they exceed the maximum allowed number of violations within a certain time period.  That or a Personal Injury claim has occurred, inhibiting the driver from being able to obtain coverage at all.  That’s not a problem.  We have over a decade of experience and we can help.  We can show you the ropes and help you obtain coverage when other places are telling you no or wanting ridiculous prices.

If you problem is needing an FR44 but you have a license in another state, we can help you fulfill this requirement as well.  We are licensed in multiple states and can satisfy your out of state FR44 requirements.

Call us at 1-855-MY SR22 or 1-855-678-6977 or fill out our Guaranteed be$t rate FR44 Form to get started.

Florida FR44 Insurance Companies

Insurance Company Listing

Peak Property and Casualty Insurance Company a/k/a Dairyland Insurance –  offers FR44 policies paid in full only to select clients.

Mercury Insurance Company was established in 1962 by George Joseph in Los Angeles. A.M. Best Company has rated Mercury an A+ “Excellent” company. Celebrating their 50th anniversary in 2012, Mercury believes one reason for their success is the trust they’ve built with customers. Forbes magazine has named Mercury one of “America’s Most Trustworthy Companies.” Mercury gives full support to their independent agents.

Mercury consistently maintains very strict underwriting (qualifying) rules and guidelines which enables them to  keep rates low. Policies requiring the FR44 filing may take as long as two weeks for approval by the company. Generally, the DUI can be the only blemish on the driving record. Mercury currently offers payment plans for FR44  policies and allows for electronic signatures which eases and expedites the application process. If you qualify, this is a great company to be insured with.

Infinity Insurance Company is a top leader in quality insurance services and products. This company has been successful since 1950 and their headquarters are located in Birmingham, Alabama. Infinity Insurance Company consistently receives high ratings for financial strength by all the reputable rating agencies.

Successful applicants approved for a policy with FR44 will have to pay for the insurance in full without the benefit of any type of payment plan. Although the company does not allow for a non owner FR44 policy, they will provide non owner policy for a Florida SR22. Successful applicants will have their FR44 filed within 24 to 48 hours. The company provides for electronic signatures. Infinity also offers policies for commercial trucks and vehicles, which can also have a filing. From our experience here at the agency, they have become quite competitive recently. They are eager for business, and there low rates demonstrate that.

Foremost Insurance Group Company, headquartered in Grand Rapids, Michigan, was founded on June 12, 1952 by Edward J. Frey, Edward L. Stoddard and several investors. Foremost was acquired by the Farmers Insurance Group on March 12, 2000. The financial strength of Foremost Insurance Group was rated A by the rating company A.M. Best. They accept most types of drivers with different driving histories.

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Foremost is one of the more flexible companies that we work with. They will accept a wide variety of vehicle types and drivers with varied histories, including those with a currently suspended license, and filings are completed within 24 to 48 hours. Another great thing about Foremost is that a hard copy of your FR44 certificate is available immediately after purchasing the policy. With many companies you will have to wait for the certificate due to the special handling and processing that certificates require. Whether you need an FR44 or SR22 filed, or just want to
save some money on your current policy, Foremost is an excellent company with a great track record and competitive prices.

Progressive Insurance Company was started on March 10, 1937 by two lawyers named Joseph Lewis and Jack Green and became a public company in 1971. Progressive auto insurance can be purchased online, by phone or through independent insurance agents. Progressive also offers insurance for motorcycles, boats, commercial vehicles, snowmobiles, RV’s and more.

Like Foremost, Progressive is a very flexible company and will offer FR44 policies with many different violations on the driving record. Also, the FR44 filing can be done with motorcycle insurance Progressive which is often considerably less than a car insurance policy. Policies can be written while a driver license is suspended and filings are completed within 24 to 48 hours. Progressive does not offer payment plans for FR44 policies.

Progressive makes purchasing insurance very simple and easy. After you submit your down payment, you can sign the application online and print out your ID cards right from home! It only takes a few minutes. Also, this company has always been a leader in quality customer service. And just one example of how they do that is they are open 24/7 to answer questions, take payments, and help with any concerns you may have. You can also make payments, changes, or check your coverages right online with ease anytime. Their new snapshot program is just another way you can save with this company. Safe drivers can save up to 30%. “Now that’s Progressive!”

GMAC Insurance Personal Lines Group is one of the largest automobile insurers in the United States. GMAC Insurance Personal Lines Group offers property and casualty products, including personal auto, RV, motorcycle, commercial auto and more. With a nationwide network of claims professionals and a 24-hour, toll-free claims hotline available 365 days a year, GMAC Insurance provides superior claims service for its customers.

GMAC has strict underwriting rules and guidelines which disqualifies many drivers, but keeps rates low for others. This company will offer a policy for FR44 only if insured has prior Bodily Injury Liability of a least 25/50. There are other restrictions however, even if prior is 25/50, such as territory may not be open for new business and there must be an equal number of drivers and vehicles.

Travelers Insurance Company’s main offices are located in New York, N.Y., Hartford, Connecticut and Saint Paul, Minnesota. Field or branch locations are in all 50 states, Canada, Ireland and the United Kingdom. Traveler’s is one of the largest property casualty companies and the second largest writer of commercial U.S. property insurance. This is a great company to be insured with and we are privileged to be working with them, however, they do not offer policies to any driver convicted of a DUI.

Kingsway Amigo does not offer a policy when your license is suspended and does not offer a rate when SR22 or FR44 is required.

Windhaven does not offer FR44 polices and they do not offer BI higher than 10/20 for any policy. They do
however offer SR22 owners policies.

Allstate provides FR44 policies but only to their current clients.

State Farm does not offer FR44 insurance.

GEICO offers FR44 policies paid in full only to select clients.

 

 

 

 

 

 

 

 

 

 

(original article located at http://floridafr44.com/fr44insurancecompanies.html)

FR44 and SR22 Insurance for Florida & Virginia Residents

FR44 & Insurance in Florida and Virginia

In some  states, such as Virginia and Florida, an FR-44 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.

SR22 or FR44

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.   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.

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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 often provide you with a new temporary ID card and FR44 in the  same day.

How can FR44 & SR22 Experts help me with  my auto insurance?
We shop a variety on insurance carriers in over 42 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.  Same day quotes are  available for auto insurance, even if you need an SR22 or FR44.  Our friendly  team works hard to understand your needs and to be here for you.
The auto insurance carriers with whom we work  can help drivers with:

  • DUIs & DWIs
  • SR22 filings –  same day available in most situations
  • FR44 filings –  same day available in most situations
  • Multiple point
  • Suspended Licenses
  • Foreign Drivers Licenses
  • And other tricky situations…

What Forms Do I Need for FR44 Insurance in Florida?

FR-44 forms are submitted to the Bureau of Financial Responsibility by your insurance company on your behalf. If you don’t submit the FR-44, or you fail to meet and maintain the requirements laid out in the FR-44 form, your driver’s license and vehicle registration will be suspended. This is serious stuff. And don’t go thinking you can simply cancel your insurance policy with your current insurer to avoid the FR44. They are required by law to notify the Bureau of Financial Responsibly of the cancellation by submiting an FR-46 form. This may mean your license is suspended.

Fr-44 forms are submitted to Florida’s Bureau of Financial Responsibility by insurance companies on behalf of the policyholder. Failure to maintain the Fr-44 requirement will result in driver’s license and vehicle registration suspensions. Insurance companies are required to notify the Bureau of Financial Responsibly of cancellation of insurance by submitting form Fr-46 to the bureau.

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The FR-44 form is similar to the SR-22 form, but they are still both in use in Florida. The SR-22 is generally used to provide evidence of insurance for convictions other than DUI.

Make sure to compare several DUI insurance deals to see what you can save on your insurance. You may also find it useful it look at this publication Dui Process, Clear Your Drunk Driving Record – a simple step-by-step guide to what you might be able to do to reduce your DUI record.

So, if you have been convicted of a DUI and must submit an FR-44, compare auto insurance deals NOW to see what might still be available to you even with your poor driving record.