Frequently asked questions

Yes. We work with drivers statewide — from Miami, Orlando, and Tampa to smaller cities and towns across the Panhandle and Space Coast.

Fill out our online quote form, call us, or text us your basic information. Most quotes are ready within minutes during business hours.

For most customers, yes. We prioritize text messages and can often respond faster than a phone queue, especially during busy hours.

No. Quotes are always free and come with no obligation to purchase.

Typically your name, contact information, vehicle details, and driving history. If you have a court or FLHSMV notice, having it handy speeds things up.

In many cases, yes — once you select a carrier and complete payment, your policy and any required FR44/SR22 filing can often be issued the same day.

FR44 is a certificate of financial responsibility Florida requires after certain DUI-related convictions, confirming you carry higher-than-standard liability limits.

Typically three years with no lapse in coverage, though your specific requirement should be confirmed against your court or FLHSMV notice.

Drivers with a DUI/DWI conviction or certain related violations are most commonly required to carry FR44 coverage.

No — only some carriers write FR44 policies, which is why comparing multiple insurers matters.

Your insurer must report the lapse to the state, which can lead to license suspension and may restart your required filing period.

Generally no — the filing period is set by the court or FLHSMV and must be completed without interruption.

Often yes, since required coverage limits typically decrease and the conviction becomes more distant, though your full driving record still factors into pricing.

SR22 is a certificate your insurer files confirming you carry at least Florida's minimum required liability coverage.

SR22 requires standard minimum liability limits, while FR44 requires higher limits and is typically tied to DUI convictions.

Drivers reinstating a license after certain suspensions, driving without insurance, or ordered by a court to file proof of coverage.

It varies by case, but three years without a lapse is common. Confirm your exact period with the court or FLHSMV.

A lapse can trigger a state notification, potential license suspension, and higher future rates. If you have FR44/SR22, it can also restart your filing period.

Yes, as long as your new policy and any required filing start before your old policy ends, to avoid a coverage gap.

Most carriers we work with offer monthly payment plans, though paying in full sometimes unlocks a discount.

Typically a driver's license, vehicle information (VIN, year/make/model), and any court or FLHSMV notice specifying your requirement.

In most cases, yes. Let us know at signup or anytime after, and we can help update your policy.

Update your address with your carrier as soon as possible — your rate and required filings are tied to your policy details.

Florida requires Personal Injury Protection (PIP) and Property Damage Liability (PDL) coverage at minimum for most drivers.

Required coverage limits are higher, and the driving history behind the requirement is factored into risk pricing by insurers.

Compare multiple carriers, ask about available discounts, maintain continuous coverage, and keep a clean record going forward.

Yes. A vehicle's value, safety rating, and repair costs all factor into your premium.

Not by the state, but lenders and lessors often require it if you're financing or leasing your vehicle.

It's optional but recommended, since Florida has a notable share of uninsured drivers on the road.

No — we are an independent agency that compares policies from multiple Florida-licensed carriers to help you find the right fit.

No. We'll reach out about your quote using your preferred contact method and won't share your information for unrelated marketing.

Yes — many customers reach out to us specifically to get the coverage needed to reinstate their license.

Contact us and let us know your preferred language — we'll do our best to accommodate or connect you with appropriate resources.

Text us — most customers get the quickest response that way. Phone and email are also available during business hours.