The State of Florida may require you to carry SR-22 insurance for a variety of reasons. Finding cheap SR-22 insurance can be hard if you live in certain areas and we are here to help. BadDrivingRecord.com insurance can provide SR-22 insurance for the entire State of Florida. We have contracts with most of the major Florida insurance carriers and can help you find low cost SR-22 insurance that fits your needs. BadDrivingRecord.com agents are specially trained to handle SR-22 polices and can answer any questions you may have. In most cases we can also make changes to your quote to find something you are happy with. When we receive a quote request from you, we quote it with most of the insurance companies that offer SR-22 insurance in Florida to find you the best rate. You can get a quote and purchase your SR-22 policy from any smartphone or computer. Please feel free to give us a call or use the live chat feature if you have any questions.
How does the SR-22 filing process work?
When you find the quote that is right for you and purchase your policy the SR-22 will be filed with the State of Florida electronically. The SR-22 is filed using your full name, drivers license number and SR-22 case number. Your insurance agent should be able to pull your SR-22 case number directly from the DMV’s website. Your new insurance carrier will most likely provide you with an SR-22 certificate that you can take to the DMV with you to get your drivers license reinstated. In some cases your insurance agent will also need to fax the SR-22 certificate directly to the DMV that you are going to if you recently purchased the insurance and the electronic filing has not yet been processed. When you renew your SR-22 policy the SR-22 will automatically be filed to the state by the insurance company. If you miss a payment and let your policy cancel the State of Florida may suspend your drivers license. You might want to make sure that you are eligible to get your drivers license back before you purchase an insurance policy.
Some things you can do to make your SR-22 insurance cheaper..
- Shop around – Make sure that you shop around to find the best rate possible. Insurance companies all have different rates in every area and some insurance companies charge less for some violations.
- Discounts – Make sure that your are getting every discount you are entitled to. Some examples of discounts that insurance companies give are being a homeowner, going paperless, having prior insurance and good grades in school for youthful drivers.
- Deductibles – Consider raising your deductibles for comprehensive, collision and personal injury protection. You can always raise your PIP deductible but if you have a loan on the vehicle you should ask your lien holder if they will allow you to have a higher deductible for comprehensive and collision coverage.
- Reduce coverage – If you do not have a loan on your vehicle you can opt to rejected comprehensive and collision coverage altogether.
