SR-22 Insurance in Florida and How to Get the Lowest Rates
What is SR-22 Insurance in Florida?
SR-22 is a type of auto insurance in Florida. It is required for high risk drivers by the Department of Motor Vehicles (DMV) to show proof of financial responsibility. In order to get an SR-22 certificate, you need to have a clean driving record for at least three years.
If you are unable to find a company that offers SR-22 insurance in Florida, you can find one online. Many companies offer this type of coverage nationwide, so your chances are good that you will be able to find one near you.
SR-22 is a type of liability insurance, which is required by the state of Florida if you have been convicted of driving under the influence. SR-22 insurance provides proof that you have a valid policy in place to cover any damages or injuries that may occur while you are driving.
The SR-22 form is issued by your auto insurance company and must be filed with the DMV before they will reinstate your driver’s license. The minimum coverage required for an SR-22 policy is $50,000/$100,000/$25,000.
What are the Requirements for Getting an SR-22 Certificate?
An SR-22 certificate, also known as a Certificate of Financial Responsibility (CFR) is a form of proof that you have a liability insurance policy. It’s usually required when you’re applying for loans, car insurance, or adding someone to your policy.
To get an SR-22 certificate, you need to find an agent who can write the correct form for your state and supply it with all the necessary information.
Non-Owner SR-22 Insurance
Drivers looking to get insured need not worry about owning a vehicle. The most important thing is getting back on the road. Only drivers with driving violations such as DUI, DWI, bad driving record, or driving without a license need to apply for SR-22 or FR-44. Applying for an SR-22 or FR-44 form is as simple as contacting one of our agents and having us walk you through the process. SR-22 applicants without a vehicle simply opt into a non-owners car insurance policy in conjunction with their SR-22. If you don’t own a vehicle, it is essential to communicate that with your agent as some insurance companies do not work with non-owners for SR-22.
How much does SR-22 insurance cost per month?
The average cost of car insurance for SR-22 drivers is about 5% – 25% more than standard auto insurance in the state of Florida. While the cost is increased, there are numerous ways to get back on the road without breaking the bank. One option to save more is to pay your car insurance policy in full. By doing this, most insurers will offer discounts that can bring down the price. Other options include discounts for safe drivers and discounts for college students who perform at least a 3.0 GPA average.
The first step is to find the correct form for your state. Some states have different forms for drivers with and without a driver’s license. You can get these forms from your local DMV office or online.
Next, fill out the form with the necessary details and information that they ask for such as your driver’s license number, social security number, vehicle identification number (VIN), and odometer reading.
The third step is to sign and date the form in front of an agent at your local DMV office or notary public if you are mailing in the application. Lastly, take a copy of this signed form to your local DMV office.
What are the Benefits of Having an SR-22 Certificate?
An SR-22 certificate is a form of proof that you have automobile liability insurance. The SR-22 certificate is required by the state in which you live and by other states when registering a vehicle or renewing your driver’s license.
The advantages of having an SR-22 certificate are:
You can register your car in the state in which you live.
License renewal without any problem.
You can get a new car loan without any problem.
Still have questions? Check out our blog on finding cheap SR-22 car insurance or give us a call at 813-849-7000.
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