Cheap SR22 Insurance Downey


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cheap sr22 insurance downeyDowney’s police department has been cracking down on DUI offenders in recent years. This has lowered the rate of drunk drivers, but has increased the number of drivers who are required to file an SR22. As you may know, the process can be expensive and time consuming. However, if you take the time to look at all the options for cheap SR22 insurance Downey can offer, you can probably save more money than you might think. While your rates are probably going to go up if you’ve lost the Good Driver Discount, the more comparison shopping you do the better.

Reasons To File An SR22

  • Driving while intoxicated
  • Driving while under the influence of an illicit substance
  • Possession of an illegal substance
  • Uninsured driving
  • Fleeing the scene of an accident
  • Causing an accident while uninsured
  • Too many DMV points or traffic violations
  • Suspended license for any reason
  • Unpaid¬†citations
  • Reckless driving

As you can see, being required to file an SR22 isn’t an uncommon problem. The filing itself is usually $25 or less, and you should only pay that once on renewal (sometimes less than that!).

Where To Get An SR22?

Thankfully you no longer have to go into a physical office. Your insurance company will probably be able to add it for you over the phone. Then they sill submit it electronically to the Department of Motor Vehicles. After that, it is up to you to make your insurance payments on time and avoid getting any more violations. Once your license is suspended (even for one day) you will lose the Good Driver Discount. This can be up to a 30% rate increase, but switching companies or to a “non-standard” program can save you a lot of money. However, after the three year term is up, you will again be eligible for car insurance discounts.