What is FR-44 Insurance?

FR-22 Logo - SkyBlue Insurance BlogAre you a Florida or Virginia resident who is required to file an FR-44? Obtaining insurance at affordable rates with an FR-44can be extremely difficult. This site was created to help you find the best prices on FR-44 Car Insurance because we believe everyone deserves the privilege to hit the road with protection.

SkyBlue Insurance - SkyBlue Insurance BlogSkyBlue Insurance is an authorized representative for some of the leading providers of FR-44 Car Insurance. We have a powerful quote system that can deliver you the most affordable quotes from around the nation. It doesn’t matter if you have a DUI, or your license was suspended, we’ll help you get the FR-44 Car Insurance you need.

If you’d like to know more about FR-44 Car Insurance, give us a call and speak to one of our skilled agents at 1-800-771-7758. You can also get started by requesting a free FR-44 Car Insurance quote today!

What is FR-44 Car Insurance?

In Florida and Virginia, an FR-44 is required for those who are considered ‘high risk’ drivers.   There are many reasons why someone would be considered a High-Risk driver. Some reasons you’d need an SR-22 include:

  • You have a DUI or DWI or serious moving violations
  • Citation for driving without a license

An FR-44 is technically not insurance. It is more so a certificate that your car insurance provider will submit, showing support for your privilege to drive. Note that you’ll only need to get an FR-44 if the judge requires you to do so. If you already have insurance, but are required to obtain FR-44 Car Insurance, you’ll need to add it to your policy.

There are a few characteristics of FR-44 Car Insurance that one should know. For one, FR-44s come with a few requirements including:

  • $100,000/$30,000 of bodily injury
  • $50,000 for property damage coverage

The higher the limits on your FR44 Car Insurance policy, the more you’ll have to pay. Fortunately you won’t have to pay these fees forever. After your probationary period is complete, you can file an FR26 with your insurance company.

If you have an FR-44 and are in need of insurance, give us a call. We’ll help you find affordable FR-44 Car Insurance so you can legally hit the road and avoid any more issues. Don’t hesitate to give us a call today at 1-800-771-7758 to find out how you can get the coverage you need. You can also get the rapid results you want by requesting a FR-44 Car Insurance quote for free!

FR-44 vs SR-22

An FR-44 is similar to an SR-22 in the fact that it is used as a form of financial responsibility. The FR-44 is only used in the states of Florida and Virginia. FR-44s are mainly used for drivers with D.U.I.s and those who were cited for driving on a suspended license. FR-44 Car Insurance is much more expensive than an SR-22. Also, drivers who are required to file an FR-44 must pay for their insurance policy in full.

If you live in Florida or Virginia, then you’ll need to file an FR-44. If you have an FR-44 and need car insurance, we can help you save by finding you affordable rates on FR-44 Car Insurance. Contact us now and request a rapid FR-44 Car Insurance quote for free today!

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Common Auto Insurance Myths

Common Auto Insurance Myths

At some point, every driver is going to need to acquire Auto Insurance Searching for the best Car Insurance can be intimidating for those who are familiar with how insurance works. Finding great Car Insurance may not be as difficult as you can think. Below we dispel some of the most common auto insurance myths.

Common Auto Insurance Myths

Myth: It’s better to buy from an agent.

Truth: If you browse multiple Auto Insurance policies from multiple carriers, you are more likely to find lower rates. If you do decide to use an agent, try to speak with agents at several different companies. Companies like SkyBlue Insurance have the ability to find you multiple rates on Auto Insurance.

 

Myth: Red cars cost more.

Truth: This myth stems from the fact that red cars attract more attention and are more likely to get pulled over for speeding. In actuality, the color of your car does not determine your insurance rate. Insurance rates are based on the following:

  • Make
  • Model
  • Engine
  • Body Type
  • Vehicle AgeAuto Insurance Quote
  • Driver Age
  • Driving Record
  • Credit History
  • Car’s Sticker Price
  • Repair Costs
  • Safety Regular
  • Theft Popularity

Myth: If you’re in an accident, not reporting will prevent your rates from increasing.

Truth: This myth is not completely false. If you’re involved in an accident and you don’t report it, you’re insurance provider will not know. That is unless the other driver reports the accident to their Auto Insurance provider. If they do contact their carrier, their carrier will contact yours and report the accident. Also, if you receive a ticket for the accident, it will appear on your driving record and cause your rates to increase.

 

Myth: Premiums increase as you age.

Truth: Actually, the opposite of this myth is true. As you get older, you’re rates will decrease so long as you maintain a great driving record. There are even some Auto Insurance discounts for drivers over 55.

 

Myth: Small cars are cheaper.

Truth: Though the size of the car can determine premium rates, smaller doesn’t necessarily mean that your policy will be cheaper. Smaller cars can experience more damage and the drivers in them are more likely to receive serious injuries. Mid-sized SUV’s are actually the cheapest to insure.

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Myth: Thieves target newer cars more often.

Truth: Older cars are actually more vulnerable because they have less security measures than newer cars. This makes them easier to break into. They are also more likely to be stolen for parts.

 

Myth: One speeding ticket will increase your rates.

Truth: Usually it takes two speeding tickets to increase your rates. If you get one ticket, you’ll have the opportunity to go to traffic school and avoid getting marks on your policy.

 

Myth: Minimum liability coverage is enough to keep me protected.

Truth: Most states have a minimum auto insurance requirement, but this may not be enough to cover all of the costs. If you’re insurance does not cover the full amount of the damages you’ve called, your assets and personal finances may be subject to charges.

 

Myth: Comprehensive coverage protects you in all situations.

Truth: Comprehensive coverage is only one type of protection. It is meant to cover your vehicle for damages not related to collisions, including: fire, theft, vandalism, weather, and collisions with animals. If you want coverage for collisions with other vehicles, you will need to add collision coverage to your policy.

Don’t let these common auto insurance myths be a threat when looking for Auto Insurance. If you’re in need of Auto Insurance or feel that you are paying too much, give us a call at 1-800-771-7758. We can help you find affordable rates on policies from some of the leading providers of Auto Insurance in the nation. You can get started by requesting a SkyBlue Auto Insurance quote for free!

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Causes of Auto Accidents

Causes of Auto Accidents

A car collision can be one of the scariest moments in someone’s life. You never really know how bad it is until everything is settles. Car collisions are very serious and are the most common SkyBlue Auto Insurance claims. Below we break down some of the most common causes of car accidents.

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Drowsy Driving

Sleep is very important. When you haven’t been getting good sleep, focusing and staying awake may be difficult. Drowsy driving is something that’s commonly experienced by truck drivers, but casual drivers can experience it too. Drowsy driving causes drivers to veer off the road or sway into parallel lanes. People can even fall asleep at the wheel which can cause some pretty bad accidents.

Drunk Driving

Drunk driving is one of the major causes of car accidents, especially fatal ones. Driving skills can be extremely impaired if someone’s blood alcohol is beyond the legal limit.

Weather

Sometimes weather can make for tough driving situations. Rain and snow can make the road slippery and can reduce visibility. Sand storms can also cause some visibility issues. Dense fog is also the cause of a lot of accidents.

Distracted Driving

There are many drivers on the road who are driving with distractions. These distractions can range from poorly behaved children to a woman trying to apply make up in traffic. Food can also cause a distraction. In today’s digital age, cell phone distractions have become one of the common causes of car accidents.

Speeding

One of the biggest, preventable causes of car accidents is speeding. Cars have a certain stopping distance based on weight and speed. You never know when you’ll have to make an instant stop. You may not be able to stop as easily if you’re speeding.

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Car collisions are unpredictable. There is no way to prepare for one; there are only ways to prevent them. To keep your you and your vehicle safe in case there is a collision, be sure to obtain a SkyBlue Auto Insurance policy. We can help you find the best rates on SkyBlue Auto Insurance for free! Contact us now and request a SkyBlue Auto Insurance quote today!

 

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How to Choose a Car Insurance Provider

How to Choose a Car Insurance Provider

With so many car insurance providers fighting for your attention, it may be hard to choose one.  How do you know which one is the best for you? That’s why we’re here to help. We’ll show you how to choose a car insurance provider.Choosing a Car Insurance Provider

 

Reputation

When trying to choose a car insurance provider, be sure to check out their reputation. Read reviews and testimonials online or visit forums to see what others have to say about prospective providers. What you don’t want to do is sign on with a provider and then find out they have terrible customer service or they don’t provide the coverage you need.

Meet Face-to-Face

Sometimes, human interaction is the best way to know a company. If you’re having trouble figuring out how to choose a car insurance provider, go meet with their agents or brokers. These people are representations of the company they work for. If they seem untrustworthy, then most likely their company is the same.

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The easiest way to find which provider is best for you is to compare their rates. Most providers will give you an auto insurance quote of your requested services for free. Services like ours can find you the best quotes from the top providers of SkyBlue Car Insurance Coverage. Our service is free and will bring you instant results. Don’t hesitate to request a SkyBlue Car Insurance quote now!

Knowing how to choose a car insurance provider will lead you to the right option. You should aim to choose one that’s reliable, honest, affordable, and well-respected. If you need SkyBlue Car Insurance Coverage give us a call at 1-800-771-7758.

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What to do during Minor Car Collisions

What to do during Minor Car Collisions

A car collision can be a very traumatic event. Emotions are racing, adrenaline is pumping, and there may be some confusion. But you must always remember to stay calm and keep a level head. Below we show you what to do during minor car collisions.

Minor Car Collisions

Move to a Safety

If you can, move your vehicle to a safe place out of the way of traffic. Many people have been injured or caused more damage because they were in the way. If you are in a minor collision, move your car to the shoulder of the freeway, an empty parking lot, or any other area that’s out of the way.

Stop your Vehicle

Due to all of the chaos, many people forget to put their car in park during a collision. Make sure your car is no longer moving when you get out. But first remember to check that it’s safe to exit the vehicle.

Check on Others

Be sure to check on everyone who’s involved in the collision including drivers and passengers. If there’s any sign of injury, call 911 immediately. Sometimes people seem okay in the moment, but there may be an internal injury.

Call the Police

Even if the collision is minor, a police report can be very useful when it comes to making insurance claims. They know exactly what to do during minor car collisions. They will also be able to check if any of the drivers are intoxicated or driving illegally. Sometimes, people who are involved in collisions may be violent. If a police officer is present, there is less likely to be an altercation. If there are no injuries, the police are less likely to show up to the scene. Be sure to file a collision report through the DMV immediately.

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Gather Information

Try to get as much information as possible from the other driver. This info should include:

  • Driver and passenger names
  • License plate numbers
  • Insurance information
  • Makes and models of all vehicles involved
  • Contact info for any eyewitnesses
  • Location of the collision
  • The name and badge number of any responding police officers

Take Photos

Some collisions end up leading to lawsuits. To protect yourself, be sure to take pictures of all damage done to all vehicles. This will also help you when you show your insurance provider the damage you need covered.

Notify your Insurance Carrier

If you have SkyBlue Car Insurance, you can contact them while on the scene of the collision and file your claim instantly. Your SkyBlue Car Insurance agent will contact the insurance provider of the other driver and decide on what is and isn’t covered by your policy. If you need SkyBlue Car Insurance, give us a call at 1-800-771-7758 or go online and request a free SkyBlue Car Insurance quote. You do not want to be caught up in a collision without insurance.

It is important that you know what to do during minor car collisions. They are completely unpredictable and can happen in a blink of an eye. Remember to stay calm and follow the steps that were broken down above. Your safety is important. Also remember to get a reliable SkyBlue Car Insurance policy to cover any damages.

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Safe Driving Tips

Safe Driving Tips

Driving is a big responsibility. When you’re on the road, you’re not only looking out for your own safety; you’re also looking out for the safety of other drivers. One small mistake can lead to catastrophic events. We’re not trying to scare you; we just take driver safety seriously. Even if you’re protected by Auto Insurance Coverage, you should still be cautious on the road. Below we break down some safe driving tips.

Obey All Signs- Be sure to pay attention to all signage on the road. They will notify you of the speed limit, winding roads, merging lanes, where to make a U-turn, and more. Though some signs may seem unnecessary, they are there for a reason. Obeying signs will keep you safe on the road.

Auto Insurance QuotePay Attention- Always be aware of your surroundings on the road. Look in all of your mirrors every few seconds, check your blind spots and stay focused. Avoid any distractions. Taking your eyes off the road for even a second can lead to a collision.

Stay Sober- Never drive under the influence of drugs or alcohol. Drugs and alcohol can impair your vision or delay your reaction time. This is one of the most important safe driving tips. Driving under the influence can possibly end in fatal results. Driving while intoxicated can also lead to arrest and expensive penalties.

Wear your Seatbelt- Many people still drive without their seatbelts. If you are in an accident and you’re not wearing a seatbelt, you can be ejected from your vehicle and be severely injured. Driving without your seatbelt can also get you pulled over and ticketed by law enforcement.

Perform a Safety Check- Do an occasional safety check before you drive. Check fluid levels, make sure all lights and signals work, and check your tire pressure. Also look for leaks.

Safe Driving Tips

Get Comfortable- If other people drive your vehicle, be sure that all seats and mirrors are adjusted before you drive.

Use your Turn Signals- Some people get into accidents because they don’t use their signals when making turns and changing lanes. Your signals notify other drivers that you’re making a move and in which direction you’re going.

Obey Stop Signs- When coming to a stop sign, be sure to stop completely. A rolling stop can get you pulled over and ticketed. When at a stop sign, wait a few seconds before taking off. Look left, right, and then left again before taking off. Also remember: if you reach a four-way stop at the same time as another vehicle, the vehicle on the right goes first.

Green Light Safety- When the light turns green, do not take off immediately. Just like at a stop sign, look left, right, and then left again before you go. Watch for other drivers and be sure no one is running the light.

Two-Lane Roads- On some two-lane roads, there will be parked cars on the right. Try to stay closer to the center line just in case someone opens their door in front of your car. If there is no parking on the right, drive closer to the right to make space for oncoming traffic.

Don’t Trust Other Drivers- Not everyone on the road is a safe driver. It’s best to assume that other drivers will make mistakes; that way you’ll be prepared for anything. For instance, don’t assume that someone is going to stop at a stop sign. Also prepare for cars to merge into your lane without using a blinker.

Keep a Safe Distance- You should leave a good amount of distance between you and the cars in front of you. Most driving instructors suggest leaving a one car distance between you and the car in front. This will give you enough braking distance in case there are any sudden stops. In rainy weather, leave a two-car distance since your stopping distance will increase.

Know your Lanes- When driving on a multi-lane road or freeway, keep in mind that the left lanes are meant for passing and faster drivers. Drivers in the right lane are usually slower because they’re either entering or exiting the freeway. If you’re in the left lane and cars keep passing you, move to the right lane.

Hands Free- Never use your cell phone while driving. Cellphones are a big distraction and a common cause for accidents. Also avoid eating, putting on make-up, and any other distractions. The road needs all of your undivided attention. Also, driving with a cell phone can be a costly ticket.

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Car accidents can be costly and even fatal. By following these tips for safe driving, you’ll protect yourself, other drivers, and pedestrians. These tips will also help you avoid costly tickets and fines. Even if you practice safe driving, there still may be times when you experience a car accident. Auto Insurance Coverage can protect you after an accident.

SkyBlue Insurance is an authorized representative for some of the leading providers of Auto Insurance Coverage. If you need insurance or think you are paying too much for coverage, we can help you find more affordable rates on Auto Insurance Coverage. Give us a call at 1-800-771-7758 and talk to one of our skilled agents. You can also save time by requesting a free SkyBlue Auto Insurance quote online. You’ll get instant results to compare and choose the best policy for you!

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Auto Theft Prevention Tips

Auto Theft Prevention Tips

Unfortunately, we live in a dishonest world. Our vehicles are targets for thieves who are looking for those who aren’t paying attention. Damage for auto theft is one of the most common Auto Insurance claims. We want to help, so we’ve compiled a list of ways to decrease your chances of being a victim of auto theft.

Alarms or Anti-Theft Devices:

One of the most secure ways to keep your vehicle safe is to invest in anti-theft devices. These include alarms, lo-jack, steering wheel clubs, and many more. Also be sure that your anti-theft device is visible so that you are more likely to deter thieves.

Never Leave your Car Running and Unattended:

This is one of the most common Car Insurance claims. As mentioned above, thieves are opportunists. Even if you’re leaving your vehicle for a brief moment, that’s all it takes for a thief to drive off with your vehicle.

Don't Leave Valuables in your Vehicle:

Many thieves look for easy targets. If they’re walking by and they see something valuable in your car, that may be incentive to break into your car. Ensure that all valuable possessions are out of plain sight.

Lock ALL of your Vehicle's Doors:

This one may seem obvious, but many people leave their cars unlocked, especially if they think they’re only going to be away from their car for a few seconds. Thieves are opportunists and they act quickly. That’s why it’s best to always keep your car locked.

Park in Busy, Well-Lit Areas:

Thieves are less likely to break into vehicles when they are clearly visible. If you park in the light and in areas with a lot of foot traffic, then criminals will think twice about breaking into your vehicle.

Avoid Leaving Packages or Shopping Bags out in the Open:

Similar to the aforementioned tip, try not to leave things you’ve purchased visible. Put them in the trunk or hide them under the seats. Auto theft increases during the holiday season because people leave their items visible in the car.

Don't Leave Spare Keys in your Vehicle:

This one is another one that seems obvious but many people make this mistake. Many people leave their spare keys under their car or in the glove compartment. If some breaks into your vehicle and finds your spare key, it makes it that much easier for them to steal your car.

Always be aware of your surroundings and make sure you make it as difficult as possible for a thief to break into your car. If your car gets damaged due to theft, your SkyBlue Auto Insurance policy may have a coverage option to cover the loss. SkyBlue Insurance will help you find the best policy to cover you in case of theft. Go online now and request a free SkyBlue Auto Insurance Quote for instant results.

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Auto Insurance Terms you Should Know

Auto Insurance Terms you Should Know

 

Unless you are an insurance sales person, you are probably not well-acquainted with many of the terms. When you apply for National General Car insurance you may encounter unfamiliar lingo and jargon. We at SkyBlue Insurance want to help you make the process easier. Below we have listed some of the most commonly used auto insurance terms and their definitions.

Actual Cash Value: An amount equivalent to the fair market value of the stolen or damaged property immediately preceding the loss. For real property, this amount can be based on a determination of the fair market value of the property before and after the loss. For vehicles, this amount can be determined by local area private party sales and dealer quotations for comparable vehicles.

Anti-theft Device: A device that deters auto theft. Autos equipped with these devices may entitle you to a discount on your insurance premiums.

At-fault: The party who is legally liable for the damages in an accident.

Cancellation: The termination of insurance coverage during the policy period. Also see: Flat cancellation

Claim: A notice to an insurer that a loss may be covered.

Claim Adjuster: A person responsible for investigating and settling a claim.

Claimant: The first or third party. That is any person who asserts right of recovery.

Collision Deductive Waiver: This coverage waves your collision deductible if you are hit by a negligent uninsured motorist.

Comprehensive (Auto): Provides coverage for any damage not caused by a collision.

Deductible: The amount of the loss which the insured is responsible to pay before benefits from the insurance company are payable.

Flat Cancellation: The cancellation of a policy as of its effective date, without any premium charge.

Liability (auto): Covers bodily injury and property damage to someone else.

Material Misrepresentation: The policyholder/applicant makes a false statement of any important fact on their application.

Misquote: An incorrect estimate of the insurance premium.

Policy Limit: The maximum amount a policy will pay.

Premium:  The amount of money an insurance company charges for insurance coverage.

Quote: An estimate of the cost of insurance.

Surcharge: An extra charge applied by the insurer. For automobile insurance, a surcharge is usually for accidents or moving violations.

Hopefully having these terms defined for you will make the application process for National General Car Insurance less daunting. If you’d like to know how much coverage you can be insured for, go online now and get an instant National General Auto Insurance quote.

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