Cheap SR22 Insurance El Cerrito


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cheap sr22 insurance el cerritoEl Cerrito is a census-designated place (CDP) in Riverside County, California. Even though it is a small unincorporated area, its location near the Interstate 15 and the 91 Riverside Freeway means the traffic is usually very congested. When there is a lot of traffic congestion, this means you are at greater risk for accidents and tickets when you are on the road. If you have had too many tickets, or even a DUI, it is very important that you understand all the options for cheap SR22 insurance El Cerrito has available.



Facts About Cheap SR22 Insurance El Cerrito

  • The SR22 itself is only an endorsement to your auto policy. It is not separate insurance.
  • Most insurance companies can add the filing to your policy over the phone.
  • You no longer have to bring a paper copy of your SR22 in to the DMV office. It is all filed electronically.
  • SR22 filings cost anywhere from $10-$25. Some companies will charge you this fee each renewal, but others only charge it once.
  • It is not the SR22 filing that raises your rates. It is the new traffic violations that led to the requirement.
  • You can be required to carry an SR22 for up to three years (longer if your insurance lapses during that time).
  • SR22’s are required for the following reasons: DUI convictions, reckless driving, driving without insurance, too many tickets, and other reasons.
  • If you don’t have a car most insurance companies will sell you a “non-owner’s” policy that lets you file the SR22.

During the three year term it is very important to make your SR22 insurance payments on time every month. You can also pay the whole amount up front, or sign up for automatic payments. This will ensure your policy is not canceled for non-payment. Be a safe driver and make your payments, and before you know it you will be eligible for the Good Driver Discount again!