SR22 Insurance is a vehicle liability document required by the Department of Motor Vehicles for “high-risk” drivers. It is a document issued by your insurance company showing proof that you are carrying the minimum amount of auto insurance required in your state.
SR literally stands for “safety responsibility”.
Cheap Insurance is dedicated to helping you find the best quotes for SR22 insurance. We can match you with the right agency to make sure that this certain type of insurance is correctly documented. It is the insurance companies responsibility to file this document for you. You must still inform your insurance agency that you are in need of SR22, and make sure you attain it for 3 years.
This is the law in the state of California. But, it is also still your responsibility to know what the laws are on SR22 in each state.
Being able to drive your own car anytime, and anywhere you want, is a privilege we sometimes take for granted. Having a suspended or revoked drivers license is not just something that happens to drivers convicted of a DUI.
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.
An SR22 filing is issued by your insurance company to serve as a guarantee to the Department of Motor Vehicles that you have secured the minimum liability coverage required by state law.
SR22 coverage is something that is added to your existing auto insurance policy, and your insurance company can then file the form electronically with the Department of Motor Vehicles. If you don’t have insurance, or are not satisfied with your current rates, then click on the “quote” button above.
Cheap SR22 Insurance provides fast, easy, online estimates for SR22 filings. When you see how affordable the rates are, you can then opt to purchase the policy online in as little as 15 minutes!
Here are ways CheapInsurance.com could help you:
Additional Requirements For DUI/DWI Convictions
SR22 documentation is “proof of financial responsibility” for drivers who have had their licenses
revoked or suspended for any number of reasons, including:
- Excessive violations within a certain time frame.
- Driving without insurance.
- Outstanding traffic or parking fines.
- At-fault accidents while uninsured.
- Reckless driving.
- 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.
- To obtain an SR22 filing, you must purchase minimum liability coverage on all vehicles registered to you, whether they are operational or non-operational. For those who do not own a vehicle, “non-owners” liability coverage is required.
- The minimum period for SR22 filing is three years, though it may be longer, based on the severity of the violation(s), and whether or not your liability policy stays active. During this time period you must keep your insurance active by making all your payments on time. You must also keep your driving record clean. If your insurance lapses, or you get another driving violation, your license will be suspended and you will have to begin the process over again.
- 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.
Even though you have a rough patch when it comes to driving, now you are getting back out on the road. You will need the right kind of insurance to go along with your SR22 filing.
There are state minimum requirements.
For example, the California state minimum requirement for auto insurance is as follows:
- Bodily Injury Liability Limits: $30,000 per occurrence/ $15,000 per person
- Property Damage Liability Limits: $5,000 per occurrence
The above minimum requirements only cover the other party involved if you are in an accident. Most likely, if you have had some trouble with the law and are now needing auto insurance, you should probably obtain full coverage.
Here are the other options for full coverage:
- 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.
Here are some ways that you can prevent needing SR22 insurance.
- Don’t drink and drive. This may seem like a simple and easy concept, but millions of people still do it every year. Just one drink could put you over the legal limit. Find out what your alcohol limit is according to your weight and make sure you stay under. Try to get a designated driver and bring drinking alternatives. If you have already had a DUI or DWI, make sure you find responsible ways to have fun when driving that DO NOT include alcohol.
- Do not drive without insurance. This is not only risky for you but for other drivers on the road.
- Pay your tickets and fines so that your drivers license is not revoked. Make sure anytime you get a ticket, you deal with it promptly. You may even have to attend traffic school. This is always a better option than having your drivers license taken away.
- Avoid reckless driving. This might mean racing, driving illegally, road rage and a plethora of other things. You should obey traffic laws and try to drive as safely as possible. Reckless driving can be dangerous and will also result in your license being revoked.
- Always have you proof of insurance and car registration available. It is illegal to not have proof of insurance while driving.
Here are the states that do not require SR22 : Even if these states do not require this filing, you must keep SR22 insurance if you are moving to a state that requires it. Deleware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma, Pennsylvania.
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 may have to pay more for your insurance for the next few years. However, there is a light at the end of the tunnel.
When you make the correct choices, file for SR22 and keep a good driving record, you will once again get your life back on track.
The fee for this filing is usually under $50. But this is not the part that will cost you. The premiums on your auto insurance will no doubt go up.
You will need this insurance for three years. Even though this might cost you more, in the end, you will be pleased to know that your SR22 insurance can be dropped and you can continue on as a normal driver.
A DUI however does take up to ten years to leave your record. Remember this when calculating how a revoked license could effect your life.
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?
We all go through rough patches. Getting your license revoked is a hardship on not only you, but your family. There are ways we at Cheap Insurance can help make the process a little easier.
You can fill out a quote online or talk to one of our helpful representatives.
We have been dealing with SR22 filings for many years and know what to expect. You need someone in your corner during this time.
Driving with the correct insurance can be the difference between spending thousands out of pocket, or being covered for your families medical needs.
It is always better to be over insured than underinsured. But it doesn’t always have to cost you more.
We at Cheap Insurance believe that you deserve the best possible rate even if you have had some trouble with the law.
Here are some terms you may want to know:
- Broker- someone who compares and finds insurance policies for the consumer. They do not represent a particular agency but rather the consumer.
- Carrier is another name for an insurance company.
- Defensive driving course- a traffic safety course which improves driving. It may be taken to prevent a citation from going onto your records.
- Driving under the influence- Driving a motor vehicle when under the affects of drugs or alcohol. Each state has it’s own legal limit for alcohol use. If you are above this limit, you will be given a citation. Every state has their own penalties for this action and costs vary as well.
- Financial responsibility laws- Laws that make it illegal to not have the minimum state standards of insurance.
- Licensed driver- is someone who has fulfilled the states requirement for driving a vehicle and has been issued a valid license.
- Proof of coverage is a written document which shows insurance coverage for a specific property for a specific time.
- Risk ratio- are all risk factors associated with a policy holder and their property that determines the insurance premium.
Call us today and get your cheap SR22 insurance (800) 486-1866
You can also get an online quote and we will deliver your information and policy to your e-mail within minutes.
This process is simple and with our friendly staff, all of your questions can be answered.
We can help you get your freedom back on the road.