Question 1

I need an SR-22. Can you help?

Accepted Answer

Absolutely. We handle SR-22 filings every day and can usually get you back on the road the same day. Call us and we'll quote you an SR-22-compatible policy right away.

Question 2

How much will adding a teen driver raise my rate?

Accepted Answer

Adding a teen driver in Florida typically adds $1,500 to $3,000 per year, depending on the teen's age, the car, and your carrier. Good-student discounts, a defensive-driving course, and choosing the right vehicle can cut that significantly. We'll quote with and without the teen so you see the impact before committing.

Question 3

Can I get auto insurance with bad credit in Florida?

Accepted Answer

Yes — Florida allows insurers to use credit as a factor, but several non-standard carriers (Direct Auto, Bristol West, Infinity, Dairyland) don't penalize lower scores. We specifically shop those when credit is a concern and can usually find a competitive rate.

Question 4

Can I keep my Florida auto policy if I move out of state?

Accepted Answer

No — auto insurance is regulated by each state's DMV, so you have to rewrite your policy with a carrier licensed in your new state. Notify us 2–3 weeks before the move and we'll coordinate the rewrite so you stay covered continuously.

Question 5

How long do I have to carry an SR-22 in Florida?

Accepted Answer

Three years of continuous coverage from the date your license is reinstated is the standard requirement. Any lapse — even one missed payment — restarts the clock and re-suspends your license. We set up payment reminders and autopay to keep SR-22 clients safe.

Question 6

Can I get an SR-22 if I don't own a car?

Accepted Answer

Yes — Florida allows a non-owner SR-22 policy that covers you when you drive someone else's vehicle or rent one. Premiums are usually much lower than owner-operator SR-22s because no specific vehicle is insured. We work with several carriers that offer non-owner SR-22.

Question 7

What should I do right after a car accident in Florida?

Accepted Answer

Get to safety, then: 1) call 911 if anyone is injured, 2) exchange driver's license, insurance, and contact info with the other driver, 3) photograph the scene, both vehicles, and any visible damage, 4) call us before calling the other driver's insurer — we'll guide the claim process and protect your interests. Florida is no-fault for medical bills (PIP), so your own insurer pays first regardless of fault.

Question 8

Will filing a claim raise my insurance rates?

Accepted Answer

It depends. Not-at-fault claims usually have minimal or no impact. At-fault claims typically raise your auto rates 20–40% for 3–5 years, but the increase varies by carrier. Home claims under $5,000 sometimes aren't worth filing once you factor in the rate impact. We'll run the math before you file so you make an informed decision.