Clifford Schimek is a Florida independent insurance agent with over 30 years of experience. His agency, Florida Auto Plus Insurance, focuses primarily on Florida auto insurance, with a dedicated subspecialty in FR-44 filings for drivers reinstating their license after a DUI.
My name is Clifford Schimek, and I own and operate Florida Auto Plus Insurance, an independent agency built around Florida auto insurance. That’s the core of what I do, every day. Within that, I’ve also developed a deep subspecialty in FR-44 filings for drivers coming out of a DUI. After more than thirty years doing this work, I can tell you that what people need most — whether they’re a clean driver shopping for a fair rate or someone navigating an FR-44 requirement — is someone who treats them like a person, not a policy number.
The FR-44 side of my work exists because I understand something a lot of people don’t realize until it happens to them: it doesn’t take much to cross the legal threshold for a DUI conviction. A couple of drinks, a long night, bad timing — and suddenly someone who’s never been in real trouble in their life is dealing with a record, a suspended license, and a process they never expected to be navigating. I also know that aggressive DUI enforcement generates real revenue for municipalities across Florida, which is part of why these stops happen as often as they do. None of that is meant as commentary on the law — it’s just the reality I see often, and it’s part of why I approach FR-44 cases with compassion instead of judgment.
That combination — broad expertise in Florida auto insurance, paired with deep, specific knowledge of FR-44 compliance — is what shapes how I run my agency.
A Statewide Resource, Built Around Two Layers of Focus
For everyday Florida auto insurance — new policies, renewals, coverage questions, shopping for a better rate — my agency works the way most good independent agencies do, just with a sharper focus than most, since auto insurance is the only line I write at any real volume.
For drivers dealing with an FR-44 requirement specifically, I also maintain a dedicated informational site, Florida FR-44 insurance information and guidance, built entirely around that subspecialty. Over the years, it’s become a resource that other insurance agents, attorneys, and even insurance companies reference. My office is based in Miami, but I work with clients across the entire state on both fronts — general auto insurance and FR-44 — so this isn’t a local-only or single-issue practice.
What I try to offer, at either level, is simple: straightforward, affordable coverage, handled by someone who’s been doing this for a long time and pays close attention to the details that matter. On the FR-44 side specifically, I’m appointed with multiple carriers that write Florida FR-44 insurance companies, including Progressive, Kemper, Infinity, Mercury, Foremost, and United, among others, so I can usually find a fit even when someone’s budget is tight or their situation is complicated.
Why Drivers Call Me
Every call I take gets the same level of attention, whether it’s a routine auto insurance quote or someone’s first conversation about FR-44 insurance. I work across several A-rated carriers specifically so I can shop your situation properly instead of pushing whatever’s easiest. You can see what that looks like for FR-44 cases specifically through my Florida FR-44 insurance quotes page.
I also don’t disappear after the policy is written. Auto insurance is an ongoing relationship, not a one-time purchase — and that’s even more true with FR-44, where compliance has to hold for three uninterrupted years. I stay involved through renewals, carrier changes, and anything else that comes up along the way, for clean drivers and FR-44 clients alike.
If you want to know more about how I work, my reviews and business history are public — I’d genuinely encourage you to look through my Google Business Profile. Whether you’re shopping for everyday Florida auto insurance or dealing with a new or renewing FR-44 policy, I’m easy to reach.
Call or text: 305-796-2968
About the Author
Written by Clifford Schimek — Statewide Auto & FR-44 Insurance Expert
I help Florida drivers every day with auto insurance quotes and FR-44 filings. My goal is to make everything simpler and less stressful, no matter where you live in the state. If you ever need help or just want a straight answer, you can always call or text me directly.
Clifford Schimek
Statewide Auto & FR-44 Insurance Expert
Call or text: 305-796-2968
Learn More About Cliff
Why Clifford Schimek? – The case for working with me
Florida Auto Plus Insurance – Agency website
Florida FR-44 Information and Guidance – For Florida drivers who need an FR-44 filing
View My Google Business Profile – Reviews and business information