In Virginia, many drivers who need to reinstate their license are required to buy an FR44 auto insurance filing. There's quite a bit of confusion about how an FR44 filing works. Part of the confusion stems from the fact that there's not much information about FR44's out there like there is for other types of filings. That's because Virginia is one of only two states that have FR44's. This article is about how Virginia drivers can get the right type of FR44 auto insurance policy they need at the lowest price.
What is FR44 Insurance?
How do I set up an FR44 auto insurance policy?
There are two types of auto insurance policies in Virginia that a driver can use to attach an FR44 filing onto:
Can I buy an FR44 filing to cover me driving a motorcycle?
Yes you can. However motorcycles are not covered on any type of auto insurance policy. What you will need to do is find a motorcycle insurance company that does indeed write these FR44 filings onto them.
Where's the best place to buy FR44 auto insurance for the lowest price?
Your best bet is to find an independent auto insurance agent who carries several companies that specialize in high-risk auto insurance. Most any of them can help you. It's really important for you to shop around and get quotes with multiple companies. That is the only way you're going to be able to get the best rate. The advantage of going through an independent agent is that you only have to give your information once, and the agent can run your quote for you through multiple companies versus going to each company and getting a quote one at a time, which can be very tedious.
How long do I have to carry an FR44 filing?
This answer varies depending on the circumstances. However, the FR44 requirement period usually lasts either 3 years or 4 years, depending on whether you drive with a restricted license. It is very important that you be aware of the expiration date of when this requirement ends.... Cancel too soon, and your license will be suspended... cancel too late, and you may be needlessly paying a surcharge on your auto insurance. If you do not know your expiration date, you will need to find out by contacting the Virginia DMV. Because of privacy laws, your insurance agent/company have no way of knowing the expiration date of an FR44 requirement. So make SURE you stay on top of it.
Get a Virginia FR44 Auto Insurance Quote Here if you own a vehicle.
Get a Virginia FR44 Auto Insurance Quote Here if you DO NOT own a vehicle.
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Dan Lyles is an Independent Insurance Agent serving Ohio, Indiana, Michigan, Pennsylvania, Virginia and West Virginia..