Can I switch FR44 carriers to save money?
Direct Answer
Yes. You can switch FR44 carriers at any time as long as the new policy is active and filed before the old one cancels. Because FR44 premiums are high, even a small rate difference can mean significant savings over the remaining filing period.
Switching FR44 Carriers
The process is the same as switching SR22 carriers: your new FR44 policy must be active and the new FR44 certificate must be on file with the state before your old policy cancels. This prevents any gap that would trigger a license suspension.
When to Consider Switching
- After your first renewal — Rates may have changed, and other carriers may be more competitive now.
- If your rate increases — Don’t accept a renewal increase without comparing alternatives.
- Midway through your filing period — As the violation ages, some carriers become more willing to compete for your business.
We compare FR44 rates from multiple carriers — call (855) 678-6977 to see if there’s savings available.
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