Miami SR-22 insurance rates can be high due to the large population and high accident rate but we are here to help. BadDrivingRecord.com insurance specializes in SR-22 insurance for the entire State of Florida. We have contracts with almost every major insurance company that offers SR-22 insurance in Miami and we will search for the best rate for you. When you request a quote from us we automatically search all the companies we have to find you the lowest rate possible. We write for many major insurance companies like Progressive, Infinity, Foremost, Gainsco and more. Here at BadDrivingRecord.com we utilizes the latest technology to service our clients so you can get a quote and purchase your SR-22 policy from any computer or smartphone. Joshua and staff are specially trained to handle SR-22 policies and can help guide you in purchasing the policy that is right for you. BadDrivingRecord.com can write non-owners SR-22 insurance in miami for people that do not own a vehicle. We are also able to submit your SR-22 certificate to the State of Florida immediately allowing you to go into the DMV and get your driver license back. We can provide SR-22 insurance in areas including Hialeah, Miami Gardens, Miami Beach, Homestead, North Miami, Coral Gables, Doral, North Miami Beach, Cutler Bay, Miami Lakes and Aventura. Please feel free to give us a call if you have any questions and thank you for visiting our site.
Miami SR-22 Insurance Requirements
- The State of Florida requires you to have liability limits of 10/20/10 because they consider you to be high risk.
- The State of Florida does allow you to make monthly payments on your SR-22 insurance.
- You are required to carry SR-22 insurance for three years from the date of conviction and/or suspension. So if you were required to get your SR-22 a year ago, you may only need to carry the SR-22 for two more years. It is important to ask your local Miami DMV to see how long your SR-22 is required.
- Your agent or insurance company will need to file the SR-22 certificate to the State of Florida electronically. This process usually takes about two or three days but if you are in a rush to get your drivers license back we may be able to fax the SR-22 certificate to your local Miami DMV immediately.
- You are required to carry the SR-22 filing for as long as the DMV tells you. If you let your policy cancel before that time your driver license will be suspended.
Non-owners SR-22 Insurance in Miami
If you do not have a vehicle but you are required to carry the SR-22 you may need a non-owners SR-22 policy. Named non-owner SR-22 insurance provides coverage for bodily injury and property damage when your operating another person’s vehicle. The downside is that named non-owner policies do not provide any coverage for any vehicle you own or regularly operate. They also do not provide any physical damage coverage for any vehicle you operate. Since there is not a vehicle on the policy named non-owner SR-22 policies do not provide any medical payments if you are injured in an accident. Non-owners SR-22 insurance is typically less expensive as they do not cover nearly as much as a regular auto policy. To get a quote for a non-owners SR-22 click the link below.
Some tips to reduce your SR-22 insurance cost in Miami
How much does SR-22 insurance cost in Miami? Insurance rates vary greatly in Miami depending on your driving record, claims history and the location you live in. You would need to submit a quote request to know for sure.
To reduce the cost of you SR-22 insurance you need to:
- Make sure that you are getting all available discounts
- Raise your deductibles if it is possible
- Shop around a little to make sure that you are getting the best rate
- Consider adding a PIP deductible as sometimes PIP insurance in Miami can be expensive
- Consider rejecting comprehensive and collision coverage if you do not have a loan on your vehicle as this coverage is not required with the SR-22 filing.
