What is SR22 Insurance Coverage?

What Is SR-22 Insurance?

 

An SR-22 insurance policy is a filing that proves to the DMV that you are financially responsible to drive by maintaining an active auto insurance policy. 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:

 

• Suspended driver’s license

• DUI, DWI, or any other major moving violation

• Any major car accident without having insurance

• Any major traffic violation

 

 

SR22 insurance is usually required for three years, at which point you will be able to resume driving under your normal insurance coverage.

 

What If You Don’t Own a Car But Need SR22 Auto Insurance?

 

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 a car occasionally.

 

How Can We Help With SR22 Insurance?

 

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.

 

How Long Do I Need SR22 Insurance?

 

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.

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How Do I Buy SR-22 Insurance?

 

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.

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How Do I Save Money on SR22 Insurance?

 

• Compare Multiple Rates

 

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.

 

• Switch to a Low-Risk Vehicle

 

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.

 

• Increase the Deductible

 

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.

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How Do I File And Attach An SR22 Filing To My Insurance Policy?

 

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:

 

• Attach your SR-22 to a new insurance policy

• File your SR-22 separately from your current car insurance policy

• Have an out-of-state SR-22 filed to a new insurance policy

• File for a non-owners SR-22 policy if you do not have a registered vehicle but want to get your license back

 

 

What’s Next?

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 for your SR22 Insurance In California, Nevada, Arizona or Texas!!