Low Cost SR22-FR44 Insurance in Okeechobee, FL

SR22-FR44 Insurance to fit your budget & needs

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What is SR-22 or FR-44 Insurance?
You may never hear the term SR-22 or FR-44 until you tangle with the legal system.

• That has led to a lot of confusion about SR-22 or FR-44requirements and your insurance options. Drivers eager to get back on the road need to understand exactly what an SR-22 or FR-44  certificate is and how it affects their choices.
• If you need an SR-22 or FR-44 , you are going to pay more for car insurance than you otherwise would. But not all companies penalize you equally, so compare auto insurance quotes to get the best possible price or check out non-owner car insurance if you don't own a car.
• And you will not pay a penalty forever. Keep your record clean and stay insured and you could be paying standard rates again in just a few years.

What is an SR-22 or FR-44?

• An SR-22 or FR-44  certification is a form that is filed with the state, not a type of insurance.
• An SR-22 or FR-44  certificate of financial responsibility verifies that the named individual is carrying at least the state-mandated amount of car insurance. The insurance company is guaranteeing to the state that you're maintaining coverage and are financially responsible for any accidents, and it will let the state know if you do not.

Why is an SR-22 or FR-44 required?
Many associate the need for an SR-22 or FR-44 with drivers who have a DUI on their record. If this is the case for you, read about DUI insurance. In reality, the SR-22 or FR-44  can be required for a variety of reasons, depending on where you live.
Common circumstances that result in an SR-22 or FR-44  requirement include the following:

• DUI or DWI or other major alcohol violation conviction
• Serious moving violation conviction, such as reckless or negligent driving
• Several traffic offenses in a short time period
• Driving without insurance conviction
• Being involved in an accident while driving without insurance
• Being caught by the state not carrying car insurance on your registered vehicle
• A requirement for you to obtain a hardship or probationary license
• A requirement to reinstate your driver's license after a suspension or revocation.

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• Meeting the SR-22 or FR-44 requirement can help you get your license and/or registration reinstated and thus get you back on the road. You'll know it's required when you're informed by the court or state. The notification should inform you why an SR-22 or FR-44 is required, the insurance requirements and how long the SR-22 or FR-44 form must stay on file with the state.
• A form called the FR-44 is similar to the SR-22 or SR-22A but requires drivers to carry much higher liability limits. It is currently only required in Florida and Virginia for drivers who have been convicted of certain alcohol-related violations.
• Car insurance companies can charge a one-time filing fee, generally it is $25, and that is all the SR-22 or FR-44 will cost you.
• However, the violation that resulted in an SR-22 or FR-44requirement will affect your auto insurance premium.  In short, it’s your infraction -- not the SR-22 or FR-44 -- that will hike up your rates. Your rate will jump by an average of 89 percent for an SR-22 or FR-44 filing with one DUI, or about $1,300 more, a year.
• If the violation is serious, which most on the SR-22 or FR-44list are, you can expect your car insurance rates to go up drastically. Rates for drivers like you can vary by thousands of dollars – but fortunately, our agency will compare car insurance quotes from companies that offer SR-22 or FR-44filings.