It has only been since 2008 that Florida requires FR44 insurance for their DUI drivers. Many agents and most consumers are unfamiliar with this policy type. The information here is not well-known and is invaluable to convicted drivers. Securing a lower cost policy and getting your license reinstated quickly is not a problem when you have the right information.
Many companies desire these polices. As a risk group, DUI drivers in Florida have recently proven to be especially profitable for insurance companies. This new realization comes about due to the ease of identifying and assigning results exclusive to DUI drivers because, they are the only ones that require FR44 insurance. Prior to 2008, DUI drivers were included with all other high risk drivers and required Florida SR22 insurance.
The State requirements for FR44 insurance policies, such as elevated liability limits, non-cancel provision, and others, are such that help make them profitable for companies. Therefore, a good number of them are competing with FR44 insurance quotes that have low rates and good terms.
Companies include key policy discounts. Car insurance policies include substantial discounts for high liability limits, paying in advance, and having prior coverage. Even though a DUI driver is mandated to take these options via Florida FR44 insurance, the associated policy discounts are applied. Companies simply make no distinction between drivers voluntarily choosing these options and those compelled to do so. Secure every discount to achieve the lowest rate available and let go of any notion that you do not qualify for any because of a DUI on your record. Policyholders are often surprised and relieved at how affordable FR44 insurance is after discounts are applied.
Several policy types qualify for FR44 filing. A standard car insurance policy, a non-owned vehicle policy, and a recreational vehicle policy are the main types that can include a Florida FR44 filing. Vehicles with less than four wheels are not required to have $10,000 of Personal Injury Protection coverage (PIP insurance) included in their policy which is mandatory for all cars and trucks in Florida, and it is very expensive. A non-owned vehicle policy also excludes PIP. Rates vary greatly between policy types and many consider changing their vehicle or doing without one, especially to take advantage of not having to buy costly PIP coverage. You can receive a citation while driving any type of vehicle. You can comply with Florida FR44 insurance requirements on any type of vehicle, or…