What Is SR22 Insurance?
Although the name is misleading, SR22 is not literally an insurance policy. SR22 is actually a form that the state requires drivers to submit to prove that the driver has a minimum amount of insurance. This form is mandated by law. In most cases, the insurance provider files this form. SR22 is simply a document that proves that drivers are maintaining the appropriate level of insurance required by the relevant state. To learn more – click here.
How Much Does SR22 Insurance Cost?
For many drivers, the cost of SR22 insurance is important. This is a cause of concern for any driver that is required to submit this insurance document. In most cases, suspended licenses, accidents, and DUIs have a significant impact on the cost of insurance. These factors can increase individual insurance rates considerably despite the need to file a SR22. Other factors that impact cost include driving history, driving habits, and, in some cases, credit score.To learn more – click here.
How To Find The Best SR22 Insurance Quotes?
Similar to shopping for any type of insurance, performing research and comparing policies are effective ways to find the best quotes. Obtaining quotes from multiple carriers is an ideal way to guarantee the best policy is located. It is important to add that this process can help find a policy that satisfies all insurance needs. To find the best quote, simply enter your zip code at the top of this page. Not only does comparing quotes from the primary insurance providers offer a perspective on the best policies; these providers will also submit the SR22 form. To learn more – click here.
Is There Cheap SR22 Insurance?
Typically, needing an SR22 form is not the factor that makes the document expensive. The factor that makes finding cheap SR22 insurance difficult is the high-risk status of the driver. The relevant state will require a driver to submit a SR22 form that has an expensive price tag for several reasons. Submitting this form is required when drivers receive multiple points on a license, after a license is revoked, and after receiving a DUI charge. Insurance is not the only thing that will change. For example, if you happen to also be shopping for a new car, as the result of an accident, this will likely affect your borrowing rates too such as credit cards and vehicle loans (you can compare rates via Auto .Loan to see what you can afford). To learn more – click here
Do I Need Non Owners SR22 Insurance?
In order to have a license reinstated, drivers are required to submit a SR22 form whether they have a vehicle or not. This can help the state guarantee that any time the driver is behind the wheel, they are insured by minimum liability insurance. In most states, non-owner SR22 insurance is a normal driver requirement. To learn more – click here.
Between 2003 and 2012 there were 383,542 fatal crashes in the U.S. with 36.5% of them alcohol related. The total number of fatalities in crashes per year peaked in 2005 with 43,510 deaths, when the total number of fatalities in alcohol related crashes peaked in 2006 at 15,970. Since their peaks, the rate of fatalities dropped year after year until 2012 when the fatality rates began to clime again.
In 2012 the U.S. Department of Transportation's National Highway Traffic Safety Administration (NHTSA), Mothers Against Drunk Driving (MADD), the Governors Highway Safety Association (GHSA), the National Center for DWI Court, and local law enforcement officers launched the "Drive Sober or Get Pulled Over” campaign. Despite their efforts, alcohol related fatalities increased in 2012, begging the question, "Why can't people get the hint?"
In 2012, Ohio alone spent $1.5 million on drinking and driving campaigns “Click It or Ticket” and “Drive Sober or Get Pulled Over”. Even though it was an increase in spending of more then 50% over 2010, the alcohol related fatalitie rate was 13.6% higher in 2012 then it was in 2011.
The Department of Transportation (DOT) has not yet released the final data for 2013.