Cheap SR22 Insurance Escondido


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cheap sr22 insurance escondidoI-15 has a lot CHP, and frequent immigration and drunk driving checkpoints. There are many ways to get a ticket in North County, and many drivers will find themselves stopped at one point or another. Too many tickets, or major violations like DUIs, can lead to a restriction of your driving privileges. When the DMV suspends your license they will require you to file an SR22. Thankfully, because it is such a common problem there are a number of options for cheap SR22 insurance in Escondido.

Here is a quick guide to help you through the process.

Why do I need an SR22?

An SR22 is a filing that shows the DMV you are carrying active auto insurance. Here are some reasons drivers find themselves with the filing:

  • too many traffic tickets
  • major violations such as reckless or drunk driving
  • driving without insurance
  • leaving the scene of an accident
  • causing an accident while uninsured
  • unpaid judgments.

How Do I Get An SR22?

SR22 filings are endorsements to your auto policy, so if you have current insurance you can usually just call your company and ask that it be added. They usually cost between $10 and $25, once per policy term. When you start a policy with the Good Driver Discount, the rates can jump a lot when you lose it. Having your license suspended for even one day means you lose the Good Driver Discount, so keep that in mind when you call your insurance company.

After you have filed the SR22, you will need to make sure it remains in good standing for three full years. If you miss a payment to your insurance company, or get another violation, you SR22 is automatically cancelled. You will have to start from the beginning of the three years, again keeping everything current.