Keeping You On The Road
Shane Griffis Agency has you covered. We can help you with standard auto insurance, as well as car insurance for collector cars. When most people think about car insurance, they think about damage to their car. The truth is, car insurance covers much more than just your car.
Driving around Florida means braving dust storms that lead to poor visibility. Or the possibility of flash floods that are common during the wet season. Given the sheer amount of cars on the road and the distractions drivers deal with every day, the chances of being involved in a car accident are plentiful.
You’re at risk every single time you get in your car. It’s important to understand what your coverage options are — not just for your car, but for you, and people who may be injured as a result of your negligence.
Having adequate Car Insurance limits in Florida is serious business
If you were ever involved in an accident, and found to be at-fault for someone else’s bodily injuries, you could literally lose everything if you’re not properly insured.
What a lot of people don’t realize is, having great coverage doesn’t necessarily mean having higher insurance premiums.
Because we are 100% independent, we can take your current coverages and compare them with a wide range of insurance providers to see who offers you the best deal possible.
The best part? It doesn’t cost you a penny more to use us. We are compensated by the insurance carriers directly, and work on your behalf to properly cover your needs and exposures, and make sure that there are no hidden gaps in your policy.
No two insurance contracts are the same, and while two policies side-by-side might look the same, the fine print behind the cover page can vary drastically from company to company.
This means you need someone who truly understands policy contracts, like us, to sort through the exclusions and conditions for you, so you can rest easy knowing that you have the best possible coverage at the best price without having to learn legal jargon.
Get the best auto insurance coverages for your needs from Shane Griffis Agency
Get the Right Auto Insurance Coverage with Shane Griffis Agency
No two drivers are the same—and neither are their coverage needs. At Shane Griffis Agency, we help you choose the best protection for your lifestyle and budget. Below is a breakdown of essential auto insurance coverages:
Collision Coverage
Covers damage to your vehicle if you’re involved in an accident with another car, a stationary object (like a curb or guardrail), or any fixed structure (such as a home or pole). Whether it’s your fault or not, collision coverage helps repair or replace your vehicle.
Comprehensive Coverage
Protects your car from non-collision-related damages—things outside of your control. This includes theft, vandalism, hail, falling objects, hitting an animal, or even a cracked windshield caused by a rock.
Property Damage Liability
If you’re at fault in an accident and you damage someone else’s property—like their vehicle, fence, mailbox, or a building—this coverage pays for the repair or replacement costs. It’s legally required in most states.
Bodily Injury Liability
This critical coverage pays for the medical expenses, lost wages, and legal fees if you cause injuries to another person in an accident. It helps protect your personal assets in the event of a serious claim or lawsuit.
Uninsured & Underinsured Motorist Coverage
If you’re hit by someone who doesn’t have insurance—or doesn’t have enough—this coverage helps pay for your medical bills and other related costs. It also covers injuries caused by hit-and-run drivers or unidentified motorists.
Personalized Service You Can Count On
Whether you’re a new driver or updating an existing policy, we’ll guide you through each step and ensure you’re properly protected.
Need an SR-22 Filing?
What is SR-22 Insurance?
An SR-22 isn’t actually insurance—it’s a certificate of financial responsibility filed by your insurance provider with the state to prove that you carry the minimum required auto liability coverage. It’s often mandated by a court or DMV for drivers considered “high-risk.”
Why Would I Need an SR-22?
A judge may order an SR-22 filing after:
-
DUI/DWI convictions
-
Reckless driving
-
Multiple at-fault accidents or violations
-
Driving without insurance or license
How Does It Work?
Once you purchase a qualifying auto insurance policy, your insurer files the SR-22 form with your state’s Department of Motor Vehicles to certify your compliance.
Important Things to Know
-
Filing Fee: Insurers typically charge a one-time filing fee.
-
Premiums: Your rate may be higher than standard insurance, and in some states, you may be required to pay your policy in full.
-
Duration: In Pennsylvania, the SR-22 requirement usually lasts up to 3 years and can be removed after that time if all conditions are met.
We’re Here to Help
At Shane Griffis Agency, we simplify the SR-22 filing process and help you maintain the right coverage so you can stay compliant and get back on the road with confidence.
Need an FR-44 Filing?
What is FR-44 Insurance in Florida?
If you’ve been convicted of certain serious driving offenses—like DUI (Driving Under the Influence)—Florida may require you to carry FR-44 insurance before your driver’s license can be reinstated.
What Does FR-44 Insurance Mean?
FR-44 is a certificate of financial responsibility filed with the Florida DMV. It’s not a policy itself, but proof that you have higher liability coverage than standard auto insurance. This is mandated to show you’re financially responsible after a major violation.
FR-44 Minimum Liability Limits in Florida:
-
$100,000 Bodily Injury per person
-
$300,000 Bodily Injury per accident
-
$50,000 Property Damage
These limits are more than double the requirements for standard Florida drivers.
Who Needs FR-44?
You may be required to file FR-44 if you’ve been convicted of:
-
DUI or DWI
-
Driving with a suspended license due to a DUI
-
Other serious traffic violations involving drugs or alcohol
How We Can Help
At Shane Griffis Agency, we offer affordable FR-44 insurance options with fast electronic filing to the Florida DMV. We’ll walk you through your options and get you back on the road with coverage that satisfies all legal requirements.
Common Auto Insurance Rating Variables
Age
Insurance companies use your age in their overall rating algorithms. Drivers who are under 25, and over 65 typically don’t get preferred rates because statistics show that those two age demographics have the most loss frequency and are therefore more at risk for financial loss due to an auto accident.
Credit
Credit is a metric that has been used in insurance scoring for many years. The better your credit, the more favorable your rates will usually be.
Car
The type of car, engine size, safety features, etc.. are all part of determining the rate.
Driving History
Your driving record and loss history plays a substantial role in the price. If you have a spotty driving history, or multiple moving violations or accidents, chances are, you won’t get a preferred rate until those things are at least 3 years old.
Household
Insurance companies underwrite at the household level, meaning they try to judge based on the entire household, what the probability of loss will be. If there are multiple drivers in the house who are under the age of 25, that will impact everyone’s pricing in the household.
