What’s the Difference Between Regular Insurance and SR22 Insurance?

Thursday, March 29, 2012

If someone were to ask how to get cheap SR22 auto insurance, the answer would inevitably segue into an explanation as to what an SR22 filing is. SR22 insurance is not a specific variety of auto insurance at all, despite the widespread misconception that there’s something more to it. In reality, it’s just auto insurance with the additional attachment of an SR22 filing.

Though the word “filing” often indicates a complicated process, in the context of SR22 auto insurance, it’s actually quite simple. An SR22 is simply a legal form that your insurance company files with the Department of Motor Vehicles, and its purpose is to make sure that you—the driver—are carrying the liability insurance that your state’s law requires you to hold. This form is required in order for driving privileges to be permitted for a particular individual. Typically, the SR22 must be filed for drivers who are thought to pose an added threat to other motorists. The form is usually filed for individuals who have been convicted of driving under the influence or who have been involved in an accident while driving an uninsured vehicle.

In general, most people only have to carry an SR22 endorsement for a period of about three years. Since the filing is merely a form that is attached to an insurance policy, the cost of obtaining one is no different from the cost of your policy, with the addition of a one-time fee.

Plenty of drivers find themselves wondering how to go about obtaining cheap SR22 auto insurance. It’s not as complicated as it sounds, and finding cheap SR22 auto insurance may be easier than it sounds.

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