Cheap SR22 Insurance El Cajon


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cheap sr22 insurance el cajonEl Cajon is a busy industrial area situated within some of the busiest highways in Southern California. Most residents commute out of the city each day (primarily towards nearby San Diego). Traffic accidents can happen to anyone, and often it becomes worse if your license is suspended or revoked. If that happens it is critical that you look at all the options for cheap SR22 insurance El Cajon offers.

About The SR22 Process

  • SR22 filings aren’t separate insurance policies, but are added to your current, or your new, policy and helps the Department of Motor Vehicles keep track of your policy status.
  • The SR22 is proof that you are carrying the required amount of auto insurance coverage.
  • You usually need your SR22 for a full three years, but if you don’t keep your policy active that time period can extend.
  • Major violations like DUIs will stay on your record for up to 10 years. However most insurance companies will rate them as 2 point violations for three years, and then 1 point violations after that. That can help your rates go down after your SR22 period expires.
  • Keeping your auto policy active is the best way to fulfill the DMV requirements, and after three years your rates will start to go down again.
  • If you need an SR22 due to a DUI, you will also need to enroll in a DIU program that is approved by the DMV.

During the three year term, it might be a good idea to start using some of the public transportation available in El Cajon. Uber or other drive companies are also an option, as well as carpooling. If you do have to drive, be hyper aware of all laws and signals. The best way to make sure your insurance policy stays active is to sign up for automatic payments with you bank, or your insurance company.