Florida FR44 Insurance

Florida FR44 Insurance Basics

General Florida FR44 Insurance Facts

Florida FR44 insurance requires 100/300/50 coverage. You can get an FR44 with or without a vehicle attached to it. If you don’t own a car, a Non-Owner FR44 will allow you to drive any vehicle as long as that vehicle is covered  under the owners insurance. If you have a vehicle attached to your policy, the Florida FR44 Insurance will act like traditional insurance. Once your FR44 is purchased and your driver’s license has been reinstated, you must keep your policy active. If you let your policy lapse, you will usually get 3 more years of having to carry an FR44 by the Florida DMV. We’ve had multiple clients that carried a Florida FR44 for over two years, let their policy lapse, and got 3 additional years. Obviously this is a very costly mistake and should be avoided at all costs.

Lowest Florida FR44 Prices

What Can I Expect From a Florida DUI Conviction

While the court system makes the final decision, your First DUI can come with a 180 day to 1 year driver’s license suspension. If serious injury occurred during the event, you could get a 3 year revocation. If you still need to operate a vehicle for work, you can generally apply for a hardship license. This will give you the ability to drive during certain hours of the day; i.e. to get to work, get groceries, etc. You will probably have to attend a DUI Class and/or treatment program. There is a series of requirements you’ll need to complete before your license will be reinstated and in order to keep your license valid. You may also be required to install an Ignition Interlock Device. This is a machine placed in your vehicle that requires you to blow into a tube before you can start your car. The machine reads the Blood Alcohol Level. You must periodically blow into the device to ensure your Blood Alcohol Level remains compliant.

How Much Does Florida FR44 Insurance Cost

While this seems like a pretty straight forward question, it isn’t. Pricing varies greatly due to a number of variables. Some of the factors taken into consideration are:

  1. Where you live.
  2. Your driving record.
  3. The severity of your infraction.
  4. Your age.
  5. Your gender

This isn’t a complete list, but you get the idea. Additionally, pricing for the exact same product will differ between insurance companies themselves. You always want to work with an agency that has many options and can search multiple insurance companies at the same time. Insurance pricing also changes often. What was the best price six months ago may not be the best price today. Ask your agent to shop your insurance every time your policy comes up for renewal.

Quick Florida Driver's License Reinstatement

So You Got a DUI in the State of Florida… What Now?

As you probably know by now, being convicted of a DUI in Florida can be both embarrassing and expensive. If you’re like most of the thousands of people we help, you simply want to do your time, pay your fines, get your driver’s license reinstated, and move on with your life.

So what are the steps you need to take to get your driver’s license back and in good standing? Well, the first piece of advice I want to give you is to not overcomplicate things. The process is relatively simple as long as you work with an agency that specializes in these types of issues.

Step 1 – Enroll in a DUI School

Enroll and complete the curriculum at a DUI School. A simple Google search for DUI schools will show the options closest to you. You will need to attend class and graduate before moving on to the next step.

Step 2 – Obtain a Florida FR44 Policy

A DUI conviction in the State of Florida will require you to get a Florida FR44 policy. While this isn’t insurance in itself, it’s proof that you’re carrying the required liability limits. The limits that must be carried are 100/300/50. That means $100,000 for a single injury to a person, $300,000 for a single injury to multiple people, and $50,000 if you were to damage any property. Make sure you contact a reputable insurance agency that specializes in FR44 policies to ensure your paperwork gets filed quickly and correctly. If your paperwork is not filed correctly you could incur additional fines, penalties, and incur a longer suspension. The agency should be able to electronically file your FR44 Certificate immediately with the Florida DMV.

How to QUICKLY Get Your Florida Driver’s License Reinstated After a DUI

Step 3 – Have an Ignition Interlock Device Installed If Required

If you are required to have an Ignition Interlock Device installed, you will need to have the installation completed before your driver’s license will be reinstated. You will also need to purchase and show proof of a Florida FR44 before the Ignition Interlock Facility will perform the installation. If you do not own a vehicle you can get permission from the owner and have the device installed in their car.

Step 4 – Physically Go to the Closest Florida DMV

Physically go to the Department of Motor Vehicles with your FR44 Certificate. If you were required to have an Ignition Interlock Device installed, you must also bring proof that the installation was completed by a licensed facility. Make sure you have money available to pay any fines imposed during your conviction. The DMV will tell you how much you owe.

Step 5 – Get Your Driver’s License Reinstated Immediately

Your Driver’s License will be reinstated on the spot.

While it really is that easy, there are some things you need to know. A Florida FR44 will be needed for a period of 3 years from your date of conviction. This doesn’t mean the date that the DUI happened, but rather the actual date you were formally convicted. If you do not maintain your FR44, the insurance company will notify the State of Florida that you’re no longer carrying a valid FR44 and the State will suspend your driving privileges immediately.  This will add three additional years to your FR44 requirement.

The Recap:

  1. Attend all required classroom courses.
  2. Obtain a Florida FR44 Policy and Certificate.
  3. If an Ignition Interlock Device is needed, get it installed.
  4. Go to the DMV with your FR44 Certificate and bring money to pay any fines.
  5. Get your driver’s license reinstated.

Here at FR44 and SR22 Experts, we’ve helped tens of thousands of Floridians get their license back. In under 10 minutes we’ll shop prices from multiple insurance companies, provide you with the lowest cost plan with an “A” Rated carrier, and have your FR44 Certificate filed with the Florida DMV.

If you have additional questions, or if you need quotes for FR44 Insurance, feel free to call us at 1-855-678-6977. You can also visit our website, www.MyFloridaFR44.com, and use our Free Quoting Engine.

If you Need a Different Type of High Risk Auto Insurance:

Florida SR22 Non Owner Insurance: www.MyFloridaSR22.com
Florida FR44 Non Owner Insurance: www.Cheap-Florida-FR44.com
Florida FR44 Non Owner Insurance: www.FR44Experts.com
Florida FR44 Non Owner Insurance (Mobile): m.FR44Experts.com
SR22 Insurance in All States: www.SR22Coverage.com