Cheap SR22 Insurance Santa Rosa


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cheap sr22 insurance santa rosaSanta Rosa is a vibrant city filled with all the beauty you love about California and just about 55 miles north of San Francisco. You can find the beautiful wine country in Santa Rosa with numerous wineries to choose. If you happen to be traveling through and had too much wine to drink, you could be one of the many people in California now needing an SR22 insurance policy. However, drunk driving is the only reason the DMV may require an SR22. Take the time to study all of the options for cheap SR22 insurance Santa Rosa has available.

Here are some other reasons.

  • Reckless driving
  • Hit-and-run
  • Driving without insurance
  • Causing an accident while uninsured
  • Too many traffic violations
  • License suspended for other reasons

What is an SR22?

SR22 filings are endorsements to your auto policy that allow the DMV to monitor your policy status. Any time there is a change, such as a policy cancellation, lapse in coverage, or non-renewal, the DMV is notified by your insurance company. Usually, if the policy is not reinstated or replaced, your license will be suspended once again.

How long do I need it?

Usually three years. However, if you have any lapse in coverage during those three years, the time frame will reset. This can add up to a lot of money in additional insurance premium since having a suspension on your driving record means you automatically lose the Good Driver Discount.

Any tips?

Once you need the SR22 filing, the most important thing is to keep your insurance active. There are many ways to do this. You can pay the entire policy term up front (in six month or yearly increments) or, if you pay monthly, enroll in EFT (automatic payment withdrawal). EFT will sweep your monthly premium from your credit card or bank account each month, which will help prevent cancellation for non-payment. Other than that, just be sure to stay up-to-date with your policy. Read any letters your insurance company sends you, and call if you have any questions.