Cheap SR22 Insurance San Jose


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cheap sr22 insurance san joseIn 2014 there were 4,818 fatal accidents in San Jose, and 636 involved alcohol. There were 1,000 DUI arrests, which result in a suspended license and the need for SR22 insurance.  An SR22 is documentation proving that you have current insurance. It shows the DMV that your policy meets minimum requirements for the state. In most cases, the state will require you to file your SR22 for three years, in order to reinstate your drivers license. If you’re a San Jose driver with a suspended license, it pays to compare all the options for cheap SR22 insurance San Jose agents can offer. Having your license suspended will remove the Good Driver Discount from your policy for three years. That 3 year window starts at the reinstatement date, so it pays to get your SR22 filing as soon as you can.

During the three years you must carry SR22 insurance, it is a good idea to take advantage of public transportation and avoid driving altogether. CalTrain, ACE train, VTA, and light rail Amtrak all provide great service in and around San Jose. The downtown area, as well as other parts of the city are very walkable.

About Cheap SR22 Insurance San Jose

Before your license can be reinstated, your insurance company must submit SR-22 documentation to the Department of Motor Vehicles. It is usually a simple endorsement that your agent can do over the phone, but in some cases you may need to sign a request.
Once filed, it is important to make sure your policy does not lapse or cancel at any point during the three years. If it does, the 3-year window will reset, costing you even more money in the long run. If your policy cancels or lapses, the SR22 filing with notify the DMV, resulting in a fresh license suspension. Avoid this by either paying your policy in full, or enroll in automatic payment plans.

SR22s aren’t as bad as they seem. SR22 insurance in San Jose can be kept low cost if you keep your payments currant and practice safe driving. Obey all speed limits and signs, use your turn signals and keep your eyes moving. Notice what is going on around you and expect other drivers to make mistakes.