Cheap SR22 Insurance Palmdale


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cheap sr22 insurance palmdaleLike the rest of L.A. County, Palmdale has a fairly heavy law enforcement presence. There are many ways to get tickets in California, and plenty of drivers, especially drivers with long daily commutes. Many people find themselves with a suspended license at some point. If this happens, you might have to spend some time looking over the options for cheap SR22 insurance Palmdale has available. If you haven’t had experience with SR22 insurance in the past, here is a quick guide to help.

What is an SR22?

SR22 filings are an addition¬†to your auto insurance policy. They allow the DMV to keep track of your policy status. You can’t reinstate your driving privileges in California unless you have an auto policy that meets the state’s minimum requirements. For the next three years, you will have to keep your policy active, and the SR22 is how the DMV monitors that.

What happens if my policy cancels?

If your policy cancels during the three year requirement, the DMV may re-suspend your license. There are some steps you can take to help avoid this though. For one, you can set your policy up on automatic payments. EFT payments will withdraw your monthly premium from your bank account or credit card every month automatically. This way your check won’t get lost in the mail. Or, if you prefer, you can pay the entire policy term in full (usually six-month increments).¬†This is probably the most important thing you can do to better your financial situation right now. Just one day of suspension will remove the Good Driver Discount from your policy for three years.

What if I don’t have a car? Can I still get an SR22?

There are some other filings that can work for you, but the easiest way to do it is to get a “non-owner’s” policy. They are usually cheap and will insure you to drive cars that aren’t registered to you or someone else in your household.