Just two months left on the FR-44!
My partner’s car insurance is up for renewal next month, and his FR-44 will expire in mid-May. He only needs to maintain it for another 2.5 months, but all the quotes he’s getting are for six-month policies, and they’re over $2000. Does he really need to keep the FR-44 for the full six months? Once it expires, can he cancel it and reevaluate his options?
We’re located in Florida.
In Florida, the FR-44 requirement typically lasts for a minimum of three years from the date of the offense that triggered it. However, since your partner’s FR-44 is set to expire in the middle of May and he only needs 2.5 more months, he should contact his insurance provider to clarify that he only requires coverage for that remaining period.
It’s common for auto insurance quotes to default to a six-month term, but he can choose a policy that offers coverage on a month-to-month basis or a shorter term, if available. After the FR-44 requirement ends, he can cancel the policy and reassess his options.
It’s essential to ensure that he maintains the required coverage up until the FR-44 expiration date to avoid penalties. It may also be worthwhile to shop around or consult with multiple insurers to find the best rates for the short remaining period.