How To Get The Right Kind of Auto Insurance

Do you need a Florida SR-22 or FR-44 filing and want to get the right kind of auto insurance? Call us or start an online quote!

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Car damage that requires SR-22 or FR-44 auto insurance.

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States have minimum auto insurance coverage requirements, meaning you can’t legally drive without carrying liability insurance. Car insurance financially protects you if you cause an accident. But there are a variety of insurance types and options, so how do you get the right kind of auto insurance? Understanding the different types of insurance and coverage options will help you select the best policy.

If you need SR-22 or FR-44 insurance to reinstate your license, you should think about the right kind of auto insurance options for you now. Your insurance costs will likely increase from what you previously paid. Changing your coverage options may help reduce that difference.

Government agencies do their best to make roads and highways safer to navigate. Likewise, automobile manufacturers try to make vehicles as safe as possible. However, humans drive those vehicles, and sometimes we don’t operate them safely, especially at high speeds or under the influence. Technology has allowed us to make cars and trucks safer to drive. However, in a February 25, 2016, Time magazine article, “Why You Shouldn’t Be Allowed to Drive,” National Highway Traffic Safety Administration (NHTSA), statistics demonstrate that 94 percent of accidents happen because of human, not mechanical error.

Despite the efforts of the government to make safer roads and automakers to make safer vehicles, humans make mistakes. And mistakes behind the wheel can be costly. No matter how hard you try to avoid them, accidents sometimes happen. You can be an excellent defensive driver, but that doesn’t prevent someone from rear-ending you.

A Florida driver who needs the right kind of auto insurance.

Why Do We Need Auto Insurance, Anyway?

States have minimum insurance coverage requirements, meaning you can’t legally drive without maintaining the necessary auto liability insurance. Car insurance is essential because it financially protects you from accidents or other types of damage to your vehicle. It also saves other drivers from financial loss if you cause an accident. Auto insurance comes in various forms, including liability-only insurance, collision coverage, comprehensive insurance, personal injury protection, non-owner insurance, etc.

Because states have minimum insurance coverage requirements, dealerships and used car lots will only let you leave the premises with proof of auto insurance coverage.

Understanding Different Types of Car Insurance

The right kind of auto insurance options you need may change over time to fit your budget, cover damages, and protect you from financial liabilities. Learning the differences between auto insurance coverage options makes choosing the right kind of auto insurance for your needs easier.

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Liability Coverage

Auto liability insurance covers personal injury and property damage to other vehicles, persons, and property if you’re responsible for an accident. However, it does not cover damage to your car or to you or passengers in your vehicle.

Full Coverage

Full coverage insurance includes comprehensive and collision protection. If you get into an accident, this insurance covers damage to your car and the other person’s. You can buy it with a low or high deductible. The lower the deductible, the more expensive the premium will be. Choosing a higher deductible lowers the premium.

Comprehensive Coverage

Comprehensive insurance covers the vehicle when it’s stationary. It provides additional coverage for accidents and damage to your car from other events, like vandalism, environmental damage, etc. Often, drivers who finance or lease their vehicles must have both comprehensive and collision coverage.

Collision Coverage

Damage to your vehicle in a crash with another car is paid when you have collision coverage.

Uninsured Motorist Coverage

Uninsured motorist coverage protects drivers and their vehicles from injuries and property damage caused by uninsured drivers. Many insurance providers will often pair uninsured insurance with underinsured insurance.

Underinsured Motorist Coverage

Underinsured motor insurance protects drivers from accidents where their insurance might prove insufficient. Many drivers often settle for their state’s minimum mandated insurance requirements. However, additional coverage is needed in some instances.

Personal Injury Protection Insurance

Personal injury protection insurance (PIP) covers medical expenses and income loss from an accident.

Do You Need Florida FR-44 or SR-22 Insurance?

You’ve probably heard about FR-44 and SR-22 insurance. Many people mistake these for additional coverage policies, but that’s not what they are. Instead, they are financial responsibility forms for high-risk drivers that prove they have at least the minimum required insurance coverage. The SR-22 and FR-44 forms endorse an auto or non-owner insurance policy. Drivers must file SR-22 or FR-44 forms with the Florida state DMV to reinstate their license following a suspension.

Most states require you to get the SR-22 if you have a suspended license for repeated traffic violations or DUI and DWI convictions. However, Florida and Virginia have slightly different rules. These states have the FR-44 certificate, which drivers must obtain after receiving a DWI or DUI conviction. These states reserve the SR-22 for non-alcohol-related driving violations.

Insurance agents helping callers get the right kind of auto insurance.

Get The Right Kind Of Auto Insurance From UltraCar Insurance

Are you searching for affordable SR-22 or FR-44 insurance in Florida or Virginia? Let an UltraCar Insurance specialist help you determine the right kind of auto insurance options. We’re a leading high-risk auto insurance provider in 34 states, with policies for vehicle owners and for those who need non-owner FR-44 or non-owner SR-22 insurance. Get low rates and fast filing of your certificate with no filing fees. Call or start an online quote today!