Frequently Asked Questions About SR22 Insurance
What Is An SR-22 Insurance Policy?
An SR-22 insurance policy is a filing that proves to the DMV that you are financially responsible to drive by maintaining an active auto insurance policy. High-risk drivers are typically the only people that are required to get SR-22 insurance. Situations that result in a high-risk classification include:
Suspended driver’s license
DUI, DWI, or any other major moving violation
Any major car accident without having insurance
Any major traffic violation
SR22 insurance is usually required for three years, at which point you will be able to resume driving under your normal insurance coverage.
What If You Don’t Own a Car But Need SR22 Auto Insurance?
Sometimes, drivers are required to carry an SR22 insurance policy even if they don’t own a vehicle to keep their drivers license active. If you don’t own a car but have been ordered to obtain SR22 because of your involvement in an auto accident or violation, you can obtain a non-owners SR22 insurance policy. This coverage provides the same proof of responsibility and covers you in the event that you do borrow a car occasionally.
How Can We Help With SR22 Insurance?
The pros at SR22 Savings want to get you back on the road. Modern life is built around cars, and life without insurance can be really complicated. We can get your SR22 insurance filing and attach it to your current auto insurance policy, add it to a new auto insurance policy, or issue a non-owners SR22 insurance policy if you don’t own a car.
How Long Do I Need SR22 Insurance?
SR-22 insurance, in most cases, is required for three years. You must be covered during the specific time period noted by the DMV before you will be able to remove the SR-22 coverage. If, for any reason, your policy lapses or is cancelled, your insurance agency is required by law to notify the DMV and your license may be suspended.
How Do I Buy SR-22 Insurance?
Not all insurance agencies will be willing to file SR-22 insurance. In fact, they may just drop you entirely. You must already have insurance coverage in order to file for your SR-22. The only fee for this extra coverage is the filing fee, keeping it affordable. However, if you find yourself in need of SR-22 insurance coverage, it is likely that your current insurance policy rate will dramatically increase.SR-22 insurance coverage proves to the state that you have the minimum amount of coverage required by law and that you are able to be financially responsible for an accident you cause. Driving without insurance or without required SR-22 coverage could result in even more severe punishment from the court.
How Do I Save Money on SR22 Insurance?
Compare Multiple Rates
There are plenty of Los Angeles lenders who offer SR-22 insurance policies. The knowledgeable agents at SR22 Savings can help you shop and compare rates from multiple lenders. You’re not in this alone, we’re here to help.
Switch to a Low-Risk Vehicle
Another good way to save money once it has been determined that you need SR-22 insurance coverage is by switching to a low-risk vehicle. How much you pay for your extra coverage depends on the type of vehicle you drive. If your current vehicle is considered a greater risk, you might consider switching vehicles, at least temporarily.
Increase the Deductible
What you pay out-of-pocket is known as the deductible. If you are trying to lower your SR-22 insurance costs, this is a good thing to focus on. By raising your deductible amount, you can make your monthly premiums more affordable. Make sure that if you raise your deductible, it’s still set at a reasonable price, so as to avoid financial hardship should you find yourself in an accident on the road.
How Do I File And Attach An SR22 Filing To My Insurance Policy?
SR22 Savings in Los Angeles can help you file for SR-22 insurance coverage when you’re ready. There are multiple options available for filing your policy:
Attach your SR-22 to a new insurance policy
File your SR-22 separately from your current car insurance policy
Have an out-of-state SR-22 filed to a new insurance policy
File for a non-owners SR-22 policy if you do not have a registered vehicle but want to get your license back
When you’re ready to start the process of filing for your new SR-22 insurance coverage, contact the agents at SR22 Savings in Los Angeles. We have the knowledge and experience to help you shop for the most affordable coverage, and you can even pay your monthly premiums directly through us.Don’t let insurance coverage stress you out. It is possible to get back behind the wheel with the right coverage. Let us get you there.
Contact SR22 Savings today for your SR22 Insurance In California, Nevada, Arizona or Texas!!
Call 855-772-2728 Today or Apply Online!
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WHAT'S SR22 INSURANCE?
What's SR22 Insurance In California And Other States ? Let Us Explain.
When A SR22 Insurance Policy Could Be Required?
If you're facing a court date due to a traffic violation, one outcome of your case could be that you have to get SR-22 insurance. An SR-22 filing informs the state that you have adequate insurance coverage, and it informs the state if you let your coverage lapse. Here's when you might need SR-22 insurance and how you get it.
The laws concerning SR-22 requirements and filings vary by state and the requirements may even vary in your state according to the offense. It's possible that you'll be required to get this kind of insurance after getting arrested for a DUI, getting caught driving without insurance, or receiving several traffic violations. An SR-22 in itself is not actual insurance. It is just a notification filed by your insurance company with your state that verifies you have insurance coverage. You may need to maintain this filing for a few years, and if you let your insurance lapse, the insurance company will inform the state and you may be required to start the SR-22 process all over again.
How To Buy SR-22, SR22, or SR 22 Insurance in California and other states?
Not all insurance companies want to bother with SR-22 filings. If you currently have insurance, the company may drop you. In order to start the clock ticking on the mandated length of your SR-22 filing, you have to purchase insurance. The only charge for an SR-22 is the filing fee, which should be an affordable cost. However, if you've had a traffic violation that results in the need for an SR-22, your insurance rates will probably soar.
The purpose of obtaining an SR-22 is so the state knows that you have at least the minimum amount of insurance when you drive and are able to be financially responsible for an accident you cause. Driving without insurance or without an SR-22 when you're required to have one could result in even more severe punishment from the court.
Finding SR-22 insurance is just like looking for any other type of car insurance. Find a company that will file your SR-22 with the state and then talk to an agent about how to get insurance at an affordable price. You might need to get a non owners SR-22 policy and drive a family member's car occasionally rather than have your own car. You might need to downgrade your new vehicle to an old car to get the best insurance rate.
As long as you keep your driving record clean, you'll be free from the SR-22 requirement in a few years and your traffic violation will have aged, and this might help you get more affordable insurance again.
What Is An SR22 Auto Insurance Policy?
An SR22 is a document filed with the DMV that shows proof of financial responsibility. ( Basically, it's a document that is attached to your auto insurance policy and DMV tracks this to make sure you keep an active auto insurance policy. ) You’ll need an SR22 if you were caught committing a major violation while driving, and you’ll be required to carry the SR22 for a specified amount of time depending on your situation. Once you properly fulfill the SR22 time period, your need for an SR22 will end and you won't need the SR22 filing anymore.
You May Need An SR22 Auto Insurance Policy If One Of The Following Has Happened:
-You were involved in a DUI, DWI or any major moving violation
-You were at-fault for an accident while driving without carrying auto insurance
-Your license has a suspension or has been revoked by DMV or the courts
How Long Will You Need SR22 Insurance In California or other states?
An SR22 will most likely be required for three years. You must carry continuous insurance during the specified period of time before the SR22 should be removed. If your policy lapses or is canceled, the auto insurance company is required to notify the DMV immediately and your license can be suspended at the point.
Possible Ways To File Your SR22 Insurance In California and other states:
1) We can attach the SR22 to a new car insurance policy that we write for you.
2) We can get the SR22 filed separately from your current car insurance.
3) We can issue an out-of-state SR22 if needed.
4) "Non Owners SR22" (If you do not have a vehicle registered in your name but want to get your license back)
To learn more call 855-772-2728. To get a quote, apply online today.