SAVE on SR-22 Car Insurance
What is SR-22?
A SR-22 is a document that is filed by your insurance company to the state's department of motor vehicles. The purpose of a SR-22 is to show your financial responsibility and verify that you have appropriate auto liability insurance. A SR-22 is typically required by the court or mandated by state law in order to reinstate your driver license if your license is suspended due to:
- DUI
- DWI
- At-fault accident
- Uninsured accident
- Serious moving violation
- Multiple traffic violations (more than the law permits in a given time period)
- Accumulation of tickets
- License suspension
- Revoked license
SR-22 requirements are state specific, so check with your state's department of motor vehicles for a detailed explanation of the steps you need to take to file a SR-22 certificate where you live. However, the general process is summarized below.
First, you'll need to request a SR-22 from your insurance company. Some companies may not be authorized to write SR-22 policies, so do some research first. Once you've found an authorized insurance company and made your SR-22 payment, the insurance company will submit a request for a SR-22 certificate, which will then be sent directly to the state.
The SR-22 proves that you have the minimum liability coverage required by your state. If you fail to renew your insurance policy or miss a payment, the insurance company is required to inform the state, who will immediately re-suspend your license.
In most states, you'll need to have uninterrupted SR-22 coverage for 3 years before your license can be fully reinstated. So, it's important to make your insurance payments on time and renew your SR-22 insurance early (at least 45 days in advance) to avoid cancellation of your policy.
How can I lower my SR-22 rates?
If you're in need of a SR-22 certificate, you're likely considered a "high-risk" driver, which can make finding affordable auto insurance difficult. However, there are steps you can take to lower your insurance costs even if you're still required to carry the SR-22 form. The following is a list of changes you can make that will help keep your insurance costs down:
- Pay your insurance premiums on time and renew your policy early
- Be a safe driver -- avoid traffic violations and accidents
- Improve your credit rating by paying off bills and/or making payments on time
- Park your car in a covered garage or safer neighborhood
- When buying a car, choose a low-performance sedan instead of a high-performance sports car
To obtain a free SR-22 quote, just enter your zip code above. Quotes are delivered immediately!
AutoInsure.org is committed to helping you find the best and most affordable insurance to protect you and your car. Whatever your circumstance -- whether you've got a clean or spotty driving record, drive a high performance vehicle or sedan, have a tight or loose budget -- AutoInsure.org gives you access to the information you need.
