Learn the difference between SR22 & FR44 in Florida and Virginia.

What’s the difference between SR22 and FR44 insurance?

To reinstate your license in Florida or Virginia, you’ll need to know the difference between SR22 and FR44 insurance. These are the only two states that require different certificates for DUI violations and non-DUI offenses. You’ll file an SR22 certificate for motor vehicle violations not involving alcohol or drugs. You’ll need to file an FR44 form for alcohol or other substance-related DUI violations.

When people in Florida and Virginia need to reinstate their license, they often ask, what’s the difference between SR22 FR44 insurance? These are the only states with two types of license reinstatement certificate. An SR22 insurance certificate is for non-alcohol related motor vehicle violations. The FR44 insurance certificate is for DUI or DWI violations.

Cheap Affordable SR22 Insurance

If you need SR22 insurance, you definitely want to find a cheap affordable SR22 insurance rate. There are several things you can do that help bring down the cost of SR22 insurance before you need it. SR22 insurance certificates are available to vehicle owners as well as people who don’t own a vehicle. Non owner policies are cheaper than SR22 owner insurance.

When you have to buy high risk insurance for license reinstatement, what can you do to get cheap affordable SR22 insurance? Three ways to get lower SR22 insurance premiums are to have years of driving experience, practicing defensive driving and having a good driving record. If you’re usually this type of driver, UltraCar Insurance can help you get lower insurance rates.

Ways to get cheap affordable SR22 insurance, before you need it:

  • Take advantage of an insurance discount by having continuous coverage without any lapse for a period of 1-5 years, whether you own a vehicle or not.
  • Keep a clean driving record. Any traffic moving violation tickets within a 3-5 year period can impact your rate.
  • Own a home or a condo.
  • If you don’t own a vehicle, obtaining non owners insurance (with or without an SR22 filing) will provide additional protection to you in case of an accident while driving another person’s vehicle. Additionally, being insured before you own a car indicates financial responsibility, and can save you money on auto insurance if you do buy a car.

Vehicle safety features and insurance rates

Do safety devices on newer vehicles help you get cheap affordable SR22 insurance? It seems logical, but the answer to this question is yes – and no.

New safety technology like rear view cameras, airbags, anti-theft devices and blind spot detection systems make newer model cars safer, reducing the chance of accidents. Some new safety devices can even be installed on older models, which can benefit younger drivers who often drive older vehicles.

Insurance companies usually provide discounted rates on vehicles that have safety equipment installed. But the cost to repair and replace these parts increases. Generic replacement parts that are usually cheaper won’t be available for many years to come. If an accident happens before generic parts are available, that increases the cost of repairs.

It takes several years before before new vehicle technologies transfer to less expensive, mid-rage vehicles. When that happens it results in safer vehicles throughout the economic spectrum. This in turn leads to cheaper rates overall for all types of auto insurance.

More about cheap affordable SR22 insurance

A number of standard auto insurance companies don’t offer SR22 insurance. Even if they do, an additional fee for the filing may be added to your monthly premium. UltraCar Insurance specializes in providing cheap affordable SR22 insurance rates – without additional premium fees.

You can get SR22 insurance if you own a vehicle or if not. If you don’t own a car but need an SR22 filing for license reinstatement, you can purchase cheap non owners SR22 insurance. Click the quote button or talk with one of our agents to discuss your SR22 insurance needs.

Get back behind the wheel with cheap non owners SR22 insurance.

Cheap non owners SR22 insurance

Finding cheap non owners SR22 insurance is a priority when you want to reinstate your license. When you don’t own a car, you’ll need to file a non owner SR22 certificate with the DMV. This document is attached to a non-owner insurance policy with state-required minimum liability insurance coverage. As long as you maintain the SR22 policy for a specific time, you can drive a borrowed vehicle on a limited basis.

When you need to buy cheap non owners SR22 insurance, let an experienced UltraCar Insurance agent guide you through the process. We provide quotes from top insurance companies, allowing you to choose the best rate, policy, and coverage for your needs.

What Is High Risk Insurance?

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 due to accidents or other driving violations. Insurance companies categorize individuals with numerous violations and insurance claims as high risk, because they are assumed to stand a greater chance of filing future insurance claims.

Being required to purchase SR22 high risk insurance, means that you will need to file an SR22 certificate with the state. This is also known as high risk SR22 insurance. SR22 is a certificate of financial responsibility that serves as a monitoring device between the policyholder’s insurance company and the state. It serves to guarantee the state that the driver is insured without interruption for the period of time required by the state.

Who may need high risk insurance?

A driver can be considered high risk for a variety of reasons, such as repeated moving violations or accidents and driving without insurance. Convictions for driving under the influence of alcohol or other drugs require SR22 DUI insurance. Note: In Florida and Virginia, license reinstatement for alcohol and drug related motor vehicle offenses require an FR44 certificate, rather than an SR22, to be filed with the state. As a result of multiple violations accumulating to more than 6 points, a driver no longer qualifies for preferred insurance rates in most cases. Individuals who may require high risk insurance often include teenagers, even those with a clean driving record. Teens are initially categorized as high risk due to age and lack of driving experience. Young drivers have comparatively more accidents and traffic violations than older drivers with more experience behind the wheel, which increases the already high cost insurance. A driver whose license has been suspended or revoked will need to purchase a high risk auto insurance policy before their license will be reinstated.

High risk insurance is more costly than standard auto insurance. If a driver has multiple speeding tickets, statistically it is only a matter of time before that driver has an accident or additional tickets – and that’s why they are penalized with a higher insurance rate. On the other hand, people who have an excellent driving record are rewarded with lower premiums, because the probability of their having to file an insurance claim is much lower.

Insurance companies that insure few high risk drivers tend to charge much higher rates to drivers in this category. If you require high risk insurance, UltraCar Insurance specializes in protecting you with cost effective SR22 and FR44 insurance policies. Give us a call today for a quick quote and SR22 filing.