How To Get The Best SR22 Insurance In California

Saturday, November 9, 2019

Getting The Best Insurance After A Revoked License

There’s a lot to remember and do after you’ve had your drivers license taken away. You are in a whirlwind of emotions. Maybe you even feel a bit lost. I’m here to tell you that when purchasing SR22 insurance in California, you will have a much easier time using a broker and online quote generator. Making sure that cheap car insurance is in your future means putting your emotions aside for the moment and concentrating on the bigger picture. We all have hard moments in life. The change you are about to go through is not easy. But you aren’t alone. Millions of people have filed for SR22 insurance. Whether it was after a DUI or a hit and run, people find themselves in your shoes all of the time. And because there are places like Cheap Insurance to help you out, many people have also had great experienced. Make a good thing out of a bad situation.

California residents are up against some serious odds. With traffic in the bigger cities and long drives and commutes on the interstates, a car is really important. There might not be that public transportation you are now looking for. When push comes to shove, those who get their license taken away will resort to all types of travel to get to work. From borrowing a bicycle, to getting a ride with friends, and maybe even taking the but you will have to do what it takes. But there is more to it than that. First you will need the type of insurance that California requires. It’s not just regular cheap car insurance anymore. You will most likely be deemed a “high-risk” driver after having your license suspended or revoked.

High-Risk And What That Means

When you get your drivers license suspended or revoked, this is a”red flag” according to the Department of Motor Vehicles. Anytime you need to have SR22 insurance, you are considered a “high-risk” driver. Because of this your insurance policy may be more expensive. You fall short of any “good-driver” discounts. You have to pay more for your insurance for the next few years. However, there is a light at the end of the tunnel. Being a high-risk driver will cost you more when it comes to purchasing car insurance. Not only will your insurance rates most likely go up, but you will now need an extra insurance. SR22 insurance is more of a document stating that you are abiding by California’s laws and are on the road to redeeming yourself as a driver.

California is full of sunshine and happy faces, but this doesn’t mean that good times don’t lead to bad situations. And this is why the State has certain laws put into action that will protect drivers out on the road. One of these laws states that you will need SR22 insurance for the following reasons:

  • DUIs.
  • Excessive violations within a certain time frame.
  • Driving without insurance.
  • Outstanding traffic or parking fines.
  • At-fault accidents while uninsured.
  • Reckless driving.

Sorting Through The Politics

One of the main reasons why brokers stay in business is because they help their clients sort through the politics of the insurance world. And many times can find them the best rates. Getting good rates on the best cheap car insurance is important wether you are a high-risk driver or not. A broker works for you and in times like these you will want someone on your side. California has a wide variety of insurance companies waiting for you to be their client. You can have the power of choice by sorting through the types of insurance coverage you need. Remember that there is heavy competition out there, especially in the great state of California, so don’t feel like you have to settle.

Besides SR22 insurance, this is what you will need to insure your car:

There is a minimum amount of insurance that you must have in California.

  • Bodily Injury Liability Limits: $30,000 per occurrence/ $15,000 per person
  • Property Damage Liability Limits: $5,000 per occurrence
  • You might also choose to have Collision and Comprehensive insurance. And if you don’t have your car paid in full to the banks, you will be required to carry this. Collision protects your own car in an accident and will pay to have it fixed. Comprehensive coverage is for things such as theft and other small damages.

Infographic and Statistics In California

If you want to know how California shapes up when it comes to cheap Sr22 insurance, here is some information.

Unfortunately getting a DUI is not an unusual occurrence in this state. There are almost 27 million drivers in the state of California and according to some recent data from the Center For Disease Control, almost 2% of drivers said that they had been behind the wheel after drinking too much. This is just the amount that said something. Think of all the drivers who won’t admit it.

In 2015 almost one thousand people died in drunk driving related accidents. And these drivers not only got their license revoked, in most cases probably has some jail time too. If you have gotten a DUI you know how serious it can be. A revoked license not only means needing cheap car insurance but also SR22 insurance. Getting more than one DUI means jail time in most countries. Below is a graphic to help you better understand what can happen in multiple DUI offenses. All DUI convictions will remain on DMV’s records for 10 years. The courts and/or DMV may impose more stringent penalties for subsequent violations during that period.

 

 

PenaltyDUI Conviction 1DUI Conviction 2DUI Conviction 3
Suspension6 months
Plus DUI class
2 – 3 yearsMinimum
of 3 years
IncarcerationHold for 24 hoursUp to 30 DaysUp to 6 Months
FinesUp to $1000Up to $1000$1000 Plus
Vehicle Ignition
Interlock Device
Case by Case
Court Decision
RequiredRequired

 

 

Full Coverage For Peace Of Mind

Here is the best insurance to have when you are also looking for SR22 Insurance. California will make you keep your car insurance and add on the cost of the cheap SR22 insurance you need.

  • Collision coverage will cover you and your car in case of an accident.
  • Comprehensive coverage will cover theft and other types of damages.
  • Uninsured Motorist coverage will still cover you even if the other party fails to have insurance.
  • Towing and Roadside Assistance are great option when searching for insurance. This could covered tows as well as battery jump starts and emergency key entry.
  • Glass coverage is an added coverage for any broken glass on your car.

The Cost Of SR22:

The first thing you need to do is contact your car insurance company. In most states there is a $15 to $25 fee to file the SR22. The DMV determines when and if your driver’s license may be reinstated. DMV fees, typically a $10 reinstatement fee, are required to reactivate your driver’s license. In addition, any parking or moving violation judgments or fines will need to be resolved before reinstatement as well.The most important thing to take away from all of this is that you will need help during this time. A broker like the ones at Cheap Insurance are your best bet when dealing with the DMV.

Here are the top few questions you should ask your Cheap Insurance agent.

Which coverage is right for me based on my circumstances?

What are some ways I can save money on my cheap car insurance?

How much will SR22 insurance?

Am I considered a “high-risk” driver?

When do I need to file for SR22?

How long will I need to have my SR22 insurance?

Do I need to take any driver safety courses?

How will this affect my premiums?

How harshly you are punished sometimes has to do with what county you were pulled over in. Or which county you have those outstanding parking tickets. Each county has its own judges and police force.

Here are a list of counties in California And The County Population:

1 Los Angeles County- 10,105,518
2 San Diego County- 3,343,364
3 Orange County- 3,185,968
4 Riverside County- 2,450,758
5 San Bernardino County -2,171,603
6 Santa Clara County -1,937,570
7 Alameda County- 1,666,753
8 Sacramento County -1,540,975
9 Contra Costa County- 1,150,215
10 Fresno County- 994,400
11 Kern County -896,764
12 San Francisco County- 883,305
13 Ventura County- 850,967
14 San Mateo County -769,545
15 San Joaquin County -752,660
16 Stanislaus County -549,815
17 Sonoma County- 499,942
18 Tulare County- 465,861
19 Solano County -446,610
20 Santa Barbara County -446,527
21 Monterey County- 435,594
22 Placer County -393,149
23 San Luis Obispo County -284,010
24 Merced County- 274,765
25 Santa Cruz County -274,255
26 Marin County -259,666
27 Butte County- 231,256

More Counties

28 Yolo County- 220,408
29 El Dorado County- 190,678
30 Imperial County- 181,827
31 Shasta County -180,040
32 Madera County -157,672
33 Kings County -151,366
34 Napa County -139,417
35 Humboldt County -136,373
36 Nevada County -99,696
37 Sutter County- 96,807
38 Mendocino County- 87,606
39 Yuba County- 78,041
40 Lake County -64,382
41 Tehama County -63,916
42 San Benito County- 61,537
43 Tuolumne County -54,539
44 Calaveras County -45,602
45 Siskiyou County- 43,724
46 Amador County- 39,383
47 Lassen County- 30,802
48 Glenn County -28,047
49 Del Norte County- 27,828
50 Colusa County- 21,627
51 Plumas County- 18,804
52 Inyo County- 17,987
53 Mariposa County -17,471
54 Mono County- 14,250
55 Trinity County- 12,535
56 Modoc County -8,777
57 Sierra County -2,987
58 Alpine County- 1,101

Where To Go If You Need SR22 In California

The best way to generate multiple rates for car insurance is to look at the online quoting options such as the one with Cheap Insurance. Cheap Insurance is a one-stop shop for all of your insurance needs. When getting a great deal on cheap car insurance, you may find it helpful to talk with a representative. You may have gotten rid of your car since your revoked license. If you do not have a license and know you won’t have one for at least three years, you may have sold your car as it no longer serves you a purpose. Can you still get the cheapest car insurance? Yes you can. A non-owners SR22 insurance policy will cover you against liability claims in the vehicles you drive, plus it will keep the state up to date with your car insurance currency.

If you want a non-owner policy it would be smart for you to reach out to an insurance broker. They can help you through this process.

If you are a non-owner, then your car insurance policy only works if you meet this criteria:

  1. You cannot own a vehicle
  2. There cannot be other accessible vehicles in the household even if they do not belong to you
  3. You cannot have an ignition interlock device requirement

It will definitely save money by selling your car. You won’t have that car insurance policy, but remember you will need to purchase one after you retain your license. This might be harder than you think. With price increases and possible inflation, your chances of getting the car you want for the price you want is slim. This decision might also depend on what the public transportation is like in your area. Your non-owner policy will still cover you if you borrow a car and get into an accident. It will serve you well to at least carry a non-owner policy along with SR22 insurance. Make sure you avoid any lapse in payment. This will look bad and could revoke your license again. The insurance carrier has a certain obligation to the state. They have to notify the DMV if there was a lapse in coverage. Non-owner car insurance doesn’t cover damages to the vehicle you’re driving. Typically, non-owner car insurance also doesn’t include coverage for your property or injuries you might suffer in an accident.

How To Contact A Broker

One of the best ways for getting a great deal on SR22 insurance is by using the online quote generator from Cheap Insurance. 

Answer the rating questions and instantly see the rate results for multiple Insurance Companies that fit your requirements. If you find an insurance policy you like, let the broker you are working with know that you want the coverage. If you aren’t already working with a broker, just call the customer service line and talk with one today. No more driving to an office, waiting you turn for an agent to assist you, and then more waiting while the paperwork is completed. Now, it only takes three steps:

  • You find the rate.
  • You tell us you want it.
  • Get the policy you need.

When you find the coverage you like, you can purchase it online. From the comfort of your home you can have a policy delivered to your e-mail inbox within minutes. Even good drivers can have a string of bad luck. If you have had your license suspended for any reason, you will need to understand all the options for cheap SR22 insurance. Good people do things that make life hard sometimes. Let a broker help you in this time. Get your free online quote now.

California Laws

While California laws might seem a little harsh, there are in place for a reason. California is the most populated state. It also has the most drivers. Because of this there are more accidents, more traffic and more responsibility. When you are out on the road whether you are in a car or on a motorcycle, your risk increases depending on where you are driving. Cruising the back roads? not as much of a risk. Sitting in traffic in Los Angeles on a weekday? Yes, much more risk. The aim here is to find a happy medium between following the laws of the state you love so much, but also finding an inexpensive option for cheap car insurance. SR22 insurance is an add-on. Meaning, it isn’t actually insurance and it can’t cover you for damages. You also need your regular car insurance. Take a look at what you need. Know the laws and limits and get yourself an online quote today in minutes.

 

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