In the state of Massachusetts SR-22 insurance is required for three years after a conviction for drunk driving or a suspension of a license for any reason. If you’re in an accident or pulled over without the proper liability insurance can result in a re-suspension of your license, fines or even jail time. Different providers charge different rates for this kind of insurance and finding a plan you can afford can be difficult. Once your license it removed you must be covered by an SR-22 in order to legally start driving again. The process is simple if you know where to find the information.
The best place to start looking for your SR-22 is online. Massachusetts poses somewhat of an obstacle for your online search as the state has some of the strictest insurance regulations in the United States. The biggest insurance provider in Massachusetts is Liberty Mutual and their website includes a wealth of information about obtaining your SR-22 insurance forms and plan. However, if you’d like to shop around before deciding on a company or plan, insurance broker websites can assist you. These broker services will take your information and provide a list of available providers, plans and prices in your area.
The cost of SR-22 insurance in Massachusetts is high. Even once you’ve done the research and compared different companies you should still be prepared for the level of the rates. This is one of the most expensive states to have this insurance in. The usual rules for choosing the right plan for your budget. Take into consideration both the deductible and premium involved with the plan as well as what is covered in the event of an accident.
The agent assigned to you when you choose a provider will be invaluable. Take advantage of the resources they represent. Your agent will provide you with all of your paperwork and address any questions or concerns you have about your coverage. In order to complete the filing of your new SR-22 your insurance agent will need copies of some vital information. When you go to sign the final paperwork be sure to bring your driver’s license and any paperwork on your suspension, court records, and police reports. These need to be filed with your paperwork.
Once you have your plan picked out and your paperwork filed the last step is paying your premium. Keeping up with premium payments is the best way to stay insured and drive your car with piece of mind.