No one wants to pay more than necessary to insure their car. But there are many ways to get lower insurance rates on your auto or motorcycle insurance. If you ever had to carry SR22 insurance or FR44 insurance, the suggestions outlined below can lower your auto insurance premiums later.
FR44 Insurance Archives
This is the FR44 Insurance Archives for UltraCar Insurance. Your source for SR22 & FR44 Insurance.
How to get lower insurance rates
Even if you currently have a poor driving record, there are many ways you can get lower insurance rates in the future. If you carry SR22 or FR44 high-risk insurance, you may think you’ll have to pay high premiums forever. But you can put yourself in a position to get lower auto insurance premiums after you complete your SR22 or FR44 obligation.
What is high risk insurance?
High risk insurance is also known as SR22 insurance or FR44 insurance. Sometimes young, inexperienced drivers or people who own very expensive vehicles can be considered high risk by insurance providers. If you have an excessive number of points on your driving record or have a DUI conviction, you will usually be categorized as a high risk driver. This means that your insurance rates will increase. You may be required to carry SR22 high risk insurance, especially if your license has been suspended.
What is high risk insurance, or non-standard insurance? Many people have a driving record that’s less than perfect, and have had to file multiple insurance claims
Virginia FR44 Insurance
If you’re eligible for license reinstatement after a DUI offense, a Virginia FR44 insurance certificate is one of the requirements you must complete. Filing this certificate and keeping your insurance policy current while the state requires it allows you to reinstate your driving privileges. You can get FR44 insurance if you own a vehicle or not, and the certificate can also be attached to a motorcycle insurance policy.
Any person with a DUI conviction in Virginia must carry Virginia FR44 insurance to reinstate their license. Two states currently use an FR44 filing system specifically for alcohol-related offenses: Florida and Virginia.
Florida FR44
After a DUI license suspension, you’ll need to file a Florida FR44 certificate to reinstate your license. In Florida, FR44 insurance is specifically for DUI-related license reinstatement. It is separate from SR22 insurance, which is for non-substance related suspensions. You can purchase a Florida FR44 certificate whether or not you own a vehicle.
After a Florida DUI conviction, you’ll have to purchase Florida FR44 insurance if you want to reinstate your driver’s license. The date you’ll need to file your certificate depends on your probationary period.
Florida DUI Insurance
Florida DUI insurance, or Florida FR44, is a financial responsibility certificate you submit to the state after a DUI conviction. You can buy FR44 insurance whether you own a vehicle or not. The FR44 document is an addendum to an auto or non-owner insurance policy. The policy and certificate allow you to regain your driving privileges, as long as you keep the policy current.
Drivers convicted of a substance-related offense (alcohol or drugs) must purchase Florida DUI insurance to reinstate their driver’s license. Also known as Florida FR44 insurance, DUI insurance is a type of high-risk insurance.
