News Archives

This is the News Archives for UltraCar Insurance. Your source for SR22 & FR44 Insurance.

Commercial Auto Insurance Cost

Commercial Auto Insurance Cost

Commercial auto insurance cost is an important financial matter for business owners who use vehicles to provide their products or services. A number of factors affect the cost of commercial auto insurance. These include type of business, number of vehicles, daily miles driven and other considerations specific to each business.

As a business owner, you may wonder if you need a commercial auto insurance policy and how much it will cost. Following are tips about commercial auto insurance cost that will save you money in the long run. If you use one or more vehicles for business purposes, commercial auto insurance protects you and your business from hardship in case of a an accident.

Someone that needs cheap SR22 in California

Cheap Non Owner SR22 Insurance California

What should you expect to pay for cheap non owner SR22 insurance California? Each person’s cost for non owner SR22 insurance depends on the reason for their SR22 requirement, their driving record, where they live in the state and other factors. There is no single cheapest rate for California SR22 insurance that applies to everyone.

What is cheap non owner SR22 insurance California? Non owner SR22 is a high risk insurance certificate that you file for California license reinstatement if you don’t own a vehicle. “Cheap non owner SR22 insurance” is a term that defines a value for a reasonably priced non owner SR22 insurance policy. But that term is used and misused by many insurance companies as an advertising gimmick.

Motorcycle Insurance Options

Motorcycle Insurance Options

There are a great many more motorcycle insurance options than there are makes and models of bikes. Coverage can be tailored to fit your particular needs and budget. In addition, there are many insurance discounts you can take advantage of to further reduce your motorcycle insurance premiums.

UltraCar Insurance offers many motorcycle insurance options, including SR22 motorcycle insurance if needed. We have the cheap motorcycle insurance rates you’re looking for – particularly on Harley-Davidson! We insure Harley-Davidson, Yamaha, BMW, Suzuki, Triumph and Honda motorcycles, as well as mopeds and scooters. Whatever kind of bike you ride, insuring it is a must.

Florida FR44 Motorcycle Insurance

Florida FR44 Motorcycle Insurance

Did you know you can endorse an FR44 certificate to your motorcycle insurance policy? Florida FR44 motorcycle insurance allows license reinstatement after a DUI conviction. Often, an FR44 endorsement of a motorcycle insurance policy can be more affordable than an auto policy endorsement.

We currently do not offer Florida FR44 or SR22 motorcycle policies.

If you need FR44 insurance, UltraCar Insurance will endorse a Florida FR44 motorcycle insurance certificate to your motorcycle, scooter, or moped policy.

A person in South Carolina needing SR22

South Carolina SR22 Insurance Cost

South Carolina SR22 insurance cost is a concern when you need high risk insurance for license reinstatement. The factors considered in determining your SR22 cost are similar, regardless of the insurance company that files your SR22 certificate. These factors vary from person to person.

One of the most common questions about license reinstatement is, “What is my South Carolina SR22 insurance cost per month?” The cost can be anywhere between $60 and several hundred dollars monthly. Your cost will be lower for a non-owner SR22 insurance policy and higher if you own a vehicle or want full coverage insurance. If your suspension is for a DUI offense, you’ll pay much higher premiums for South Carolina SR22 insurance.

Someone with no car but need SR22 insurance

I have no car but need SR22 insurance

When you have no car but need SR22 insurance, you’ll file a non owner SR22 certificate for license reinstatement. Because there is no vehicle to be insured, non-owner SR22 insurance is cheaper than SR22 insurance with a vehicle. However, your cost for non owner insurance still depends on factors that vary from person to person.

Your license has been suspended, and you have no car but need SR22 insurance. The DMV tells you that you’ll have to pay a reinstatement fee and file an SR22 certificate to reinstate it. You’ve called a few companies. But since you don’t have a car and/or a valid driver’s license they can’t issue a non owner policy with an SR22.

What is FR44 insurance in Florida and Virginia?

What is FR44?

What is FR44? Florida and Virginia have two separate certificates for license reinstatement. One, SR22, is for motor vehicle violations unrelated to alcohol or drugs. The other, FR44, is for DUI-related offenses. To reinstate your license after a DUI or DWI conviction, you need to file an FR44 certificate with the state.

What is FR44? In Florida and Virginia, you must attach a financial responsibility form to your auto insurance policy to reinstate your license after a DUI/DWI conviction. Florida and Virginia are the only states that require this form specifically for DUI/DWI offenses. On January 1, 2008, Virginia was the first state to introduce it, and Florida became the second state to adopt it.

What is FR44 insurance?

There’s a difference between SR22 and FR44 insurance in Florida and Virginia. Non-alcohol suspensions require an SR22 filing. However, for a DUI/DWI suspension, you’ll need to file an FR44 certificate. See Florida SR22 FR44 and Virginia SR22 FR44 Insurance for additional information.

The minimum liability coverage requirements for F44 insurance are much higher than for SR22 insurance, especially in Florida. The higher coverage significantly impacts your auto insurance rate if you own a car.

Minimum coverage requirements for FR44 insurance in Virginia are 60/120/40:

  • $60,000 bodily injury per person
  • $120,000 bodily injury per accident
  • $40,000 property damage per accident
  • $30,000 per person / $60,000 per accident uninsured motorist bodily injury
  • $20,000 uninsured motorist property damage

The minimum coverage requirements in Florida are much higher: 100/300/50.

Why do I need DUI insurance?

DUI insurance is high-risk insurance for people convicted of a serious driving offense – especially DUI/DWI. The state is interested in ensuring high-risk drivers are always insured when driving a vehicle, whether they own one or not. People usually have to carry this insurance without a lapse of coverage for three years. The certificate is also a monitoring device. If coverage lapses even one time, the insurance company notifies the state DMV by filing an FR-46 form. This filing cancels the existing certificate, resulting in immediate license suspension.

Frequently asked questions about what is FR44

“Is FR44 a stand-alone insurance policy?” The answer is no. The certificate does not exist on its own. If you own a car, the document is a rider to your existing auto insurance policy. You’ll purchase a non-owner insurance policy with an FR44 attachment if you don’t own a vehicle. FR44 Non Owner Insurance (without a car) is generally cheaper than owner-operator insurance (with a car). However, when you own a vehicle, you can’t purchase a non-owner certificate to avoid paying a higher premium.

“Do I need to carry FR44 if I move out of state?” This certificate is only available in Florida and Virginia, so the coverage cannot be transferred if you move out of these states. If you carry FR44 insurance and move to another state, our agents can ensure you remain legally insured without interruption before moving.

Florida HSMV / Virginia DMV

You can find additional/related information about what is FR44 on each state’s DMV website:

UltraCar Insurance specializes in providing FR44 insurance for vehicle owners and non owner FR44 Virginia / non owner FR44 Florida if you don’t own a vehicle. Do you have more questions? Let us help. Our agents are licensed in both states and can offer the lowest DUI insurance rate for your needs. Click to start a quote, or give us a call today!

SR22 Colorado from UltraCar

SR22 Colorado

SR22 Colorado is a certificate of financial responsibility form the state requires for license reinstatement. An insurance provider attaches this form to an insurance policy. To ensure your policy stays current, the issuing insurance company monitors it during the time the state requires you to carry it. When you own a vehicle, the SR22 form is an endorsement to your auto insurance policy. If you don’t own a car, the form is a rider to a non-owner insurance policy.

Certain traffic offenses and violations of Colorado DUI laws can result in suspension of your driver’s license. To reinstate your license, you’ll have to file an SR22 Colorado certificate with the DOR. You probably have many questions come to mind after a driver’s license suspension.

SR22 in Maine

SR22 Maine

SR22 Maine is a certificate of financial responsibility. When you file the certificate with the state, it’s considered a guarantee of liability insurance coverage for a specific time. An SR22 certificate allows you to drive legally, as long as the insurance policy it’s tied to is kept in force.

To reinstate your license, the Maine Bureau of Motor Vehicles (BMV) requires you to file an SR22 Maine certificate when you become eligible. Common reasons for license suspensions include:

Get back behind the wheel with an SR22 Oregon filing.

SR22 Oregon

The most common reason people require SR22 Oregon insurance is to reinstate their driving privileges after license suspension. SR22 insurance is required for various reasons, most of them due to motor vehicle violations. Sometimes a court will require someone to carry SR22 insurance in connection with other legal matters. You can file an SR22 certificate if you own a vehicle or not.

When you’re eligible for license reinstatement, UltraCar Insurance quickly files an SR22 Oregon insurance certificate with the Oregon DMV. The SR22 document is also called a Uniform Financial Responsibility Form.