Cheap SR22 Insurance Folsom

 

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cheap sr22 folsomFolsom is a city in Sacramento County, California, and attracts tourists to its lakes and parks, its zoo, and its numerous bike trails and the auto mall. Tourists also come to take a look at the famous Folsom Prison, where Johnny Cash recorded. The county has plenty of traffic and sobriety checkpoints on its busy freeways, so chances are higher of getting multiple tickets or even a DUI. If you have had the misfortune to experience any of these, then knowing all you can about the options for cheap SR22 insurance Folsom has to offer is very important.

 

Facts About Cheap SR22 Insurance Folsom

  • 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!