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Auto Insurance Learning Center

Go to the auto insurance learning center to learn about discounts, coverages, and options for individuals, businesses and students.

auto insurance

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Business Auto Insurance

If you are looking for commercial or business auto insurance, click the button below.

Business Auto Quote

Personal Auto Insurance

Use this page to get a quote for personal auto insurance for your or your family.  We use our proprietary system to shop your insurance to find you discounts and great coverage options.

You may have unique needs that require insurance that provides very specific coverages. Perhaps you need coverage for business usage because you drive for work or perhaps you frequently rent trailers to tow your watercraft.  We’ve got options for you.   That’s why we are here, to help you.

Whether you are shopping for auto insurance for you first car or you are looking to bundle you home, auto, rental, motorcycle and umbrella policy, our team is ready to help you.

SR22 Insurance

If you need an SR22 Filing, we can help.

An SR-22 Filing is required to lift the suspension on your drivers license following a DUI, DWI, OUI, or OVWI conviction. An SR-22 Filing is a form issued by an insurance company, which removes a suspension order placed by the DMV on your driving privilege. The filing provides a guarantee to the Department of Motor Vehicles that an insurance company has issued at least minimum liability coverage for the person making that filing; AND – that the insurance company will notify the DMV should the insurance ever lapse for any reason.


Get an SR22 Quote

FR44 Insurance

Insurance with an FR44 Filing

In  Virginia and Florida, an FR-44 Filing may be required when you have a DUI / DWI / OVWI or other alcohol-related violation. An FR44 filing is similar in theory to an SR 22, except that it may indicate that you maintain more than just the minimum amount of coverage required by the state requesting it.

Get a quote with an FR44 Filing

DUIs / DWIs and Auto Insurance

Auto Insurance with a DUI, DWI, or Wet Reckless
Having a DUI, DWI, or “Wet Reckless” on your driving record can certainly raise the price of your insurance, that’s why it is crucial to shop the different companies.  Although the penalties from the state and DMV may be lesser for being convicted of a “wet reckless”, many insurance companies treat this violation the same as a DUI. As an insurance agency with a dedication to auto insurance for people with DUIs, we can help by comparing the rates of many insurance companies to help you find the right balance of price and coverage.  Calling us is like contacting over 10 companies at once.

DUI and DWI Insurance Team

Being “DUI insurance” focused, we work with many top-rated insurance carriers that offer many different levels of coverage backed by excellent financial stability (as represented by their financial ratings).  Many of our clients are surprised when we tell them that we can help them obtain coverage from an A-rated insurance carrier at such a low price.  That’s the Stratum difference – we can help with high risk and hard to insure drivers.
We can help people with a variety of needs, whether you are looking for the minimum amount of liability insurance to high limits with full coverage and other benefits. 
Our goal is to help you find the best combination of price and coverage right from the start, so that we can form a long term relationship with our clients.  In most cases, as your policy approaches the renewal date, we will shop the market again for you and let you know if we can find a better deal when your current policy expires.  When the DUI or other violations start to leave your driving record (or no longer affect the cost of your insurance), we can help you find an even more competitive rate.
Even if you license is suspended or your case if still pending, do not wait until the last minute to call.  We can review your situation to develop a timeline and pan of action based on your specific situation.

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