Ultimate SR22 Insurance Guide- How To Save

Not many people think about SR22 insurance. It is the little hidden secret of the insurance world.

But Sr22 isn’t actually insurance. It is documentation filed with the DMV proving that you carry insurance.

The great part about obtaining SR22 insurance is that you are on your way to getting your life back. If anyone has ever had a DUI or suspended license, you know how hard it can be. You may have lost out on job opportunities because you can’t drive. Or maybe you have been judged by peers. You may also now have to pay more on your insurance premium because of it!

But do not be discouraged. There are ways that Cheap Insurance Agency can help.

It doesn’t have to be a roller coaster ride of emotions.

We can break down the steps to not only obtaining your SR22 insurance documentation, but give you the best savings possible.

Here is what you need to know to save money after a DUI or revoked license.

First Things First

First of all, you should take a look at your current car insurance policy. Talk to your agent and find out if the amount you currently have is still going to work for you with your SR22.

You may not realize it, but most state’s only require a minimum amount of insurance. There are even a few state’s that don’t require SR22 filings at all.

To figure out how much you may end up paying, you should know the laws and regulations in your state.

  • Filing for SR22 is only about $15-$25. This is the cheap part of getting back on your feet.
  • Figuring out how much car insurance you may want once you have your SR22 is the second step.
  • The third step would be finding the best discounts on the insurance policy that you need.
  • The fourth step is to let us take it from here. Don’t worry, you are in good hands at Cheap Insurance.

Minimum insurance in most states usually consists of this:

  • Bodily Injury Liability Limits: $30,000 per occurrence, $15,000 per person
  • Property Damage Liability Limits: $5,000 per occurrence

Doesn’t sound like that much right? But every time you have a violation on your record, your rates will go up.

Statistics

  • Most people have driven drunk more than 80 times before getting caught with a DUI.
  • Males are more likely to drive under the influence. They are also more likely to be charged more for car insurance.
  • Most people who are convicted with a DUI are between the ages of 21 and 25.
  • Over 50% of all people convicted of a DUI will continue driving after that conviction. And that doesn’t mean legally. You will want to make sure you are not one of them.
  • 23% of deaths in car accidents are related to alcohol.
  • The blood alcohol content capacity is .08.

The reason that these statistics are important, is to give you an idea of why insurance premiums not only go up with people convicted of a DUI, but that the minimum liability and property damage insurance is important.

How Cheap Insurance Saves

You are always looking for ways to save money, but now that you have a violation, you may be thinking it is impossible.

Make sure you do your homework, or better yet, let us do it for you.

A few ways that cheap insurance can help you save is to follow these steps:

  • Obtain the amount of insurance you will need for SR22, but cut out all of the extras.
  • Bundle your insurances. We can find you an insurance company that will do this. Own a home? bundle homeowners insurance with your car insurance and save.
  • Pay for your premiums up front instead of monthly. You could save by paying for your premiums yearly or bi-annually rather than monthly.
  • Raise your deductible to lower your insurance premium.
  • Take a drivers safety course or a defensive driving course. This will show the insurance company that you are a good driver.
  • Keep a clean record. Even though your record has already had negative marks on it, prevent anymore of these by being a good driver.

 You can also save with these tips…

  • Take care of any parking violations.
  • Ask for discounts. If you are a member of the AAA or maybe Veterans of America, you could save.
  • Sometimes using auto pay out of your bank account could save.
  • Improve your credit score. If you can work on getting your credit score higher, this could save you on your insurance even with a DUI.
  • Purchase a car that is cheaper to insure. Cars with smaller engines and higher safety ratings are always cheaper to insure.
  • Drive less and ask about the mileage program. Some insurance companies will reward you for less driving.
  • Do not let your SR22 insurance lapse.
  • Get your risk assessed. You are most likely categorized as a “high-risk” driver if you have a DUI.

 

Terms You Should Know

If you are looking for SR22 insurance, you should know some simple key terms such as these:

Bodily Injury Liability Coverage: Coverage that pays for the injured party if you are at fault in an accident. May also cover legal fee’s, lost time at work and other related expenses to an injured person.

Bundling: Coverage that includes multiple policies such as home and auto which when combined can save the consumer premium costs.

Casualty Insurance: Coverage for a person who is killed or injured in an accident.

Certificate of Insurance: A written document that proves coverage is in force during a specific time period.

Citation: A violation of either moving or non-moving laws in which an official serves a ticket to the person at fault.

Compulsory Auto Insurance: The state required basic minimum liability coverage which is legally required in most states. Severe penalties can be given if you are caught driving without insurance.

Continual Coverage: Coverage that has not had any lapses for a specific time period and no gaps of time between policies without coverage.

Defensive Driving Course: A traffic safety course which improves driving. It may be taken to prevent a citation from being placed on your driving record or to reduce insurance premiums.

More Terms…

Driving Record: A detailed account of an individual’s driving violations.

Evidence of Insurance: A written proof of insurance coverage for a specific period of time.

Financial responsibility laws: Laws that make it illegal to not have the minimum state standards of insurance liability insurance.

Lapse: A period of no coverage such as periods of non-payment or between policy effective dates.

Licensed Driver: A person who has fulfilled a states requirements for driving a vehicle and has been issued a currently valid license.

No Fault: Several states have no fault laws that allow you to use your own medical payment insurance regardless of who may have been at fault for the accident. It allows for the patient to receive immediate medical care.

Premium: The cost of the policy that must be paid in order to be covered.

SR 22: Insurance required for convicted DUI or DWI drivers.

Insurance By State

Every state has their own set of laws for Sr22 Insurance.

Here are some of the price ranges you may be looking at according to state. The average cost yearly is around $900.

Now, with a violation on your record, this could be a little higher. But, with discounts and bundling, looking to pay right under $1000 a year seems about the going rate.

Every state also has their own laws about what happens after a DUI. There are 12 state’s that do not require SR22. This would save you money, however those same state’s tend to have higher insurance rates as well.

We can help you sift through the laws and details of each particular state.

Here is a list of the average costs of insurance by state.

Annual cost of car insurance:

-Alabama  $1,500

-Alaska $1,600
-Arizona  $1,220
-Arkansas  $1,400
-California  $1,960
-Colorado  $1,560
-Connecticut  $1,640
-Delaware  $1,580
-Florida  $1,830
-Georgia  $2,200
-Hawaii  $1,400
-Idaho  $1,053
-Illinois  $1,370
-Indiana  $1,200
-Iowa  $1,055
-Kansas  $1,360
-Kentucky  $1,500
-Louisiana  $1,970
-Maine  $960
-Maryland  $1,810
-Massachusetts  $1,600
-Michigan  $2,545
-Minnesota  $1,360
-Mississippi $1,385
-Missouri $1,200
-Montana  $2,010
-Nebraska  $1,310
-Nevada $1,380
-New Hampshire  $990
-New Jersey  $1,900

And in other states:

-New Mexico  $1,380
-New York  $1,170
-North Carolina  $1,060
-North Dakota  $1,710
-Ohio  $925
-Oklahoma  $1,565
-Oregon  $1,330
-Pennsylvania  $1,440
-Rhode Island  $2,020
-South Carolina  $1,310
-South Dakota  $1,558
-Tennessee  $1,401
-Texas  $1,620
-Utah  $1,192
-Vermont  $1,140
-Virginia  $1,100
-Washington  $1,499
-West Virginia  $2,510
-Wisconsin  $1,090
-Wyoming  $1,540

Questions To Ask Your Agent

 

Here are a short list of questions that you should ask when looking for SR22 insurance.

 

  1. What are the discounts I could be getting? You could be getting discounts for everything from the associations you are involved in, to bundling your insurance policies. Even though you have had a huge violation on your record, don’t let that deter you from saving money. There are many steps to take along this process. And remember, every insurance agency is different. So let us help you shop around for the best deal.
  2. Can I take a defensive driving course and get a discount for this even though I have a violation? You should be able to take any and all classes that show you are a safer driver.
  3. Will my premiums go down every year that I have a clean driving record? Usually this is the case. You will still need to keep your SR22 valid until the Department of Motor Vehicles states otherwise.

 Other relevant questions…

  1. Can I raise my deductible to lower my premium? You can raise your deductible to lower your premium but remember, that if you are in an accident and are at fault, you pay out of pocket. Ask your agent for more details about this.
  2. Does my premium have to be paid in one lump some? And if so, will I save any money on this? In some states you do have to pay your premium up front. In many cases, premiums that are paid once a year instead of monthly can save. Ask you agent if this applies to your situation.
  3. Will where I live affect my current rates? Usually your zip code will tell an insurance company a lot. Statistically, people who live in a city or high-volume area are more likely to get into a car accident. Insurance is all about statistics, so keep this in mind if you are planning to move.

More Questions…

  1. Do I need all of the auto insurance that I currently have? This depends on how safe and secure you want to feel while driving. It also depends on your budget. Ask your agent what your state requirements are and go from there.
  2. Can I bundle my insurance? You can almost always bundle your insurance and save! We can find you ways of doing this.
  3. What are my payment options? This depends on the state and insurance company. Let us know what you feel comfortable paying and we can help you.
  4. If I get into another accident, will this ruin my chances of returning to a normal insurance policy? Not necessarily. Ask about risk assessment and ways to stay clear of accidents. Premiums usually always go up if you are at fault in an accident.
  5. What happens if my insurance lapses? Try not to let this happen. When you have SR22 this is the worst case scenario. You will need to keep your policy running and SR22 documentation current.
  6. Am I currently working with the lowest possible insurance company that you can find? That’s a great question. We have many qualified representatives who can answer that.
  7. If I cause an accident, will my premiums go up? Yes, usually this is the case. Some companies have accident forgiveness.
  8. How long must I have SR22 in my state? Most of the time it is three years.
  9. Can I carry full coverage? Yes, and it is highly recommended that you do so.

How To Contact Cheap Insurance

Cheap insurance has been in the business of saving you money on your car insurance for over 40 years. We have had many SR22 cases and can bring you up to date on everything you need to know after a DUI.

Scan through our website to find blogs on how to deal with life after a DUI and what SR22 insurance really means for your life. The more you know, the better prepared you will be.

There are multiple ways to contact us.

You can fill out an instant quote online:

  • Fill out what product you need insurance for (SR22 car insurance)
  • Enter your zip code
  • Answer a few short questions
  • We will have a quote and policy in your email inbox in minutes!

You can also call us at (800)486-1866 where a helpful representative can work with you to find the best insurance policy.

You can also visit our Southern California office and we can sit down with you in person.

We understand that recovering from a DUI is costly. So why not save where it counts? On your insurance!

Feeling safe and secure while driving is most likely your top priority.

Make sure you have the discounts you deserve and the insurance policy that suits your needs.