An SR22 insurance policy is a filing that proves to the DMV that you are financially responsible while operating a motor vehicle. Usually, people are ordered to obtain SR22 insurance coverage after they have been involved in some kind of traffic accident or major violation. You will be required to get an SR22 insurance policy in situations like:
SR22 insurance is usually required for three years, at which point you will be able to resume driving under your normal insurance coverage.
Sometimes, drivers are required to carry an SR22 insurance policy even if they don’t own a vehicle to keep their drivers license active. If you don’t own a car but have been ordered to obtain SR22 because of your involvement in an auto accident or violation, you can obtain a non-owners SR22 insurance policy. This coverage provides the same proof of responsibility and covers you in the event that you do borrow or rent a car occasionally.
The pros at SR22 Savings want to get you back on the road. Modern life is built around cars, and life without insurance can be really complicated. We can get your SR22 insurance filing and attach it to your current auto insurance policy, add it to a new auto insurance policy, or issue a non-owners SR22 insurance policy if you don’t own a car.
To learn more call 855-772-2728. To get a quote, apply online today.
If you’ve recently been involved in a major car accident or received any other type of traffic violation in Los Angeles, it may be required that you get SR-22 insurance before you can legally get back on the road. SR22 Savings wants to keep you informed and make sure you have the knowledge you need when filing for coverage. Keep reading to have any and all of your SR-22 insurance questions answered.
An SR-22 insurance policy is extra coverage that proves to the DMV that you are financially responsible. High-risk drivers are typically the only people that are required to get SR-22 insurance. Situations that result in a high-risk classification include:
SR-22 insurance, in most cases, is required for three years. You must be covered during the specific time period noted by the DMV before you will be able to remove the SR-22 coverage. If, for any reason, your policy lapses or is cancelled, your insurance agency is required by law to notify the DMV and your license may be suspended.
Not all insurance agencies will be willing to file SR-22 insurance. In fact, they may just drop you entirely. You must already have insurance coverage in order to file for your SR-22. The only fee for this extra coverage is the filing fee, keeping it affordable. However, if you find yourself in need of SR-22 insurance coverage, it is likely that your current insurance policy rate will dramatically increase.
SR-22 insurance coverage proves to the state that you have the minimum amount of coverage required by law and that you are able to be financially responsible for an accident you cause. Driving without insurance or without required SR-22 coverage could result in even more severe punishment from the court.
There are plenty of Los Angeles lenders who offer SR-22 insurance policies. The knowledgeable agents at SR22 Savings can help you shop and compare rates from multiple lenders. You’re not in this alone, we’re here to help.
Another good way to save money once it has been determined that you need SR-22 insurance coverage is by switching to a low-risk vehicle. How much you pay for your extra coverage depends on the type of vehicle you drive. If your current vehicle is considered a greater risk, you might consider switching vehicles, at least temporarily.
What you pay out-of-pocket is known as the deductible. If you are trying to lower your SR-22 insurance costs, this is a good thing to focus on. By raising your deductible amount, you can make your monthly premiums more affordable. Make sure that if you raise your deductible, it’s still set at a reasonable price, so as to avoid financial hardship should you find yourself in an accident on the road.
SR22 Savings in Los Angeles can help you file for SR-22 insurance coverage when you’re ready. There are multiple options available for filing your policy:
When you’re ready to start the process of filing for your new SR-22 insurance coverage, contact the agents at SR22 Savings in Los Angeles. We have the knowledge and experience to help you shop for the most affordable coverage, and you can even pay your monthly premiums directly through us.
Don’t let insurance coverage stress you out. It is possible to get back behind the wheel with the right coverage. Let us get you there. Contact SR22 Savings today!
When SR-22 Insurance Could Be Required?
If you're facing a court date due to a traffic violation, one outcome of your case could be that you have to get SR-22 insurance. An SR-22 filing informs the state that you have adequate insurance coverage, and it informs the state if you let your coverage lapse. Here's when you might need SR-22 insurance and how you get it.
The laws concerning SR-22 requirements and filings vary by state and the requirements may even vary in your state according to the offense. It's possible that you'll be required to get this kind of insurance after getting arrested for a DUI, getting caught driving without insurance, or receiving several traffic violations. An SR-22 in itself is not actual insurance. It is just a notification filed by your insurance company with your state that verifies you have insurance coverage. You may need to maintain this filing for a few years, and if you let your insurance lapse, the insurance company will inform the state and you may be required to start the SR-22 process all over again.
How To Buy SR-22, SR22, SR 22 Insurance?
Not all insurance companies want to bother with SR-22 filings. If you currently have insurance, the company may drop you. In order to start the clock ticking on the mandated length of your SR-22 filing, you have to purchase insurance. The only charge for an SR-22 is the filing fee, which should be an affordable cost. However, if you've had a traffic violation that results in the need for an SR-22, your insurance rates will probably soar.
The purpose of obtaining an SR-22 is so the state knows that you have at least the minimum amount of insurance when you drive and are able to be financially responsible for an accident you cause. Driving without insurance or without an SR-22 when you're required to have one could result in even more severe punishment from the court.
Finding SR-22 insurance is just like looking for any other type of car insurance. Find a company that will file your SR-22 with the state and then talk to an agent about how to get insurance at an affordable price. You might need to get a non owners SR-22 policy and drive a family member's car occasionally rather than have your own car. You might need to downgrade your new vehicle to an old car to get the best insurance rate.
As long as you keep your driving record clean, you'll be free from the SR-22 requirement in a few years and your traffic violation will have aged, and this might help you get more affordable insurance again.
What Is An SR22 Auto Insurance Policy?
An SR22 is a document filed with the DMV that shows proof of financial responsibility. ( Basically, it's a document that is attached to your auto insurance policy and DMV tracks this to make sure you keep an active auto insurance policy. ) You’ll need an SR22 if you were caught committing a major violation while driving, and you’ll be required to carry the SR22 for a specified amount of time depending on your situation. Once you properly fulfill the SR22 time period, your need for an SR22 will end and you won't need the SR22 filing anymore.
You May Need An SR22 Auto Insurance Policy If One Of The Following Has Happened:
-You were involved in a DUI, DWI or any major moving violation
-You were at-fault for an accident while driving without carrying auto insurance
-Your license has a suspension or has been revoked by DMV or the courts
How Long Will You Need An SR22 Auto Insurance Policy?
An SR22 will most likely be required for three years. You must carry continuous insurance during the specified period of time before the SR22 should be removed. If your policy lapses or is canceled, the auto insurance company is required to notify the DMV immediately and your license can be suspended at the point.
Possible Ways To File Your SR22 Auto Insurance Policy:
1) We can attach the SR22 to a new car insurance policy that we write for you.
2) We can get the SR22 filed separately from your current car insurance.
3) We can issue an out-of-state SR22 if needed.
4) "Non Owners SR22" (If you do not have a vehicle registered in your name but want to get your license back)
To learn more call 855-772-2728. To get a quote, apply online today.
SR22 Insurance SR22Savings.com
If you've gotten in trouble on the road — be it a DUI or reckless driving — you may be required to have an SR-22 insurance policy. This form of insurance states that you're carrying the minimum liability insurance in your state. If you need to get this type of policy, these tips can save you some money.
Compare Rates From Multiple Lenders
There are a lot of lenders today that offer SR-22 policies. Let us shop some of the top CA SR-22 providers.
Switch to a Low-Risk Vehicle
How much you pay for an SR22 auto insurance policy also depends on the type of vehicle you drive. For example, if you drive a fast sports car, you're considered more of a liability and thus will have to pay more for this insurance.
Conversely, if you drive a mini-van with advanced safety mechanisms, your SR-22 policy will be much cheaper. If your vehicle is considered a greater risk, you might consider switching vehicles, at least on a temporary basis. You can then save money every month on insurance.
Increase the Deductible
How much you pay out of pocket for vehicle damage before insurance kicks in is known as the deductible. This is one of the more important figures to focus on when trying to lower your SR-22 insurance costs.
By raising this deductible amount, you can make your monthly premiums more affordable. Thus, assuming greater liability for vehicle damage may be worth having cheaper monthly rates. This is particularly true if you're a good driver and don't really find yourself dealing with auto collisions.
Just make sure that if you raise this deductible, you do so by a reasonable amount as to not put yourself at risk financially in the future should you get hit on the road.
If you're required to have an SR-22 policy because of some driving incident in the past, there are still plenty of ways you can save money. Just do what works best for your finances and personal driving situation.