How to Find Affordable FR-44 Insurance in Florida This Summer

The roads of Miami bustle and bristle with exciting destinations throughout the year, but during the summer months, traffic may be especially busy. Every vehicle owner and driver needs to account for these inherent dangers, and those who have been deemed particularly risky may require additional solutions, including an FR-44 addition to their auto insurance policy. At Silver Palm Insurance, we can help Miami motorists fulfill these obligations while finding the right price.

What Is FR-44 Insurance?

These auto insurance features essentially prove that you’ve fulfilled your auto insurance-related legal requirements. While often referred to as a type of insurance, FR-44s are documents filed with your state’s Department of Motor Vehicles (DMV) that prove you have appropriate coverage. These certificates are often required if you’ve been convicted of driving while intoxicated or while under the influence.

How Can I Find the Right FR-44?

Many auto insurance companies can add an FR-44 to your policy and file it with the DMV on your behalf. However, if your current insurer does not offer this service, you must find someone else to work with. When shopping for auto insurance and FR-44 certification, consider the following steps:

1. Understand your needs. Be sure you’re working with an insurance company that offers FR-44 services and that you select the right product, as SR-22s might seem familiar but are required for different reasons.
2. Adjust coverage. In addition to needing an FR-44, you should also be aware that this requirement increases the amount of liability coverage you’re legally mandated to carry. You may be able to make up for cost increases by choosing a higher deductible or declining other types of coverage, such as collision and comprehensive.
3. Get multiple quotes. Shop around for multiple coverage options, as some carriers may offer more favorable rates.
4. Look into specialists. Some insurance companies may specialize in covering high-risk drivers, including those with FR-44 requirements. Working with such businesses may help you secure lower premiums.

We’re Here to Help

Contact Silver Palm Insurance today to learn more about FR-44s and auto insurance options in the Miami area.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.