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Getting SR22 Insurance Quotes

SR22 Insurance Quotes

Drivers who have been convicted of driving under the influence and other driving-related offenses may be notified by their state of residence that they need to submit an SR22 or face suspension of their driver’s license. It is important that anybody who receive such a notification act quickly, as there will be only a short time to comply with this demand. While it is usually fairly easy to get an SR 22 insurance policy, it is important that you give yourself as much time as possible to address any issues and ensure that you are getting the insurance at the lowest possible cost.

Who Needs SR22 Insurance?

In most states, drivers who are found guilty of various driving related offenses are required to obtain SR22 insurance for a period of time, typically two to three years. These offenses include:

Driving under the influence of drugs or alcohol

Driving on a suspended license

Causing an accident while not adequately insured

Reckless driving

Accumulating a significant number of points in a short period of time

Getting SR22 Insurance Quotes

Because insurance companies rate the factors that determine premiums differently, it is a good idea to get quotes from several insurers before purchasing an SR22 insurance policy. You should be aware, however, that some insurance companies will not issue an SR22 or the underlying insurance policy. Therefore, the best place to start is to discuss your situation with your current agent. He or she will be able to tell you if your insurer will be able to meet your needs or help you get quotes from other insurance providers, giving you the opportunity to compare policies and find one that you can afford.

You should also make sure that you understand your state’s specific requirements for filing and maintaining an SR22. Some states require that the filing come directly from an insurance company, while others, such as Texas, allow the driver to file the form themselves. Florida is somewhat unique in allowing uninsured drivers who cause an accident to obtain the SR22 after the fact, as long as certain conditions are met, in order to avoid license suspension. Still another consideration is that some states notify drivers when their SR22 is due to expire while others place the responsibility of keeping track of the renewal date on the driver.

Drawbacks of SR22 Insurance

While obtaining an SR22 insurance policy will insure that you are able to keep your driving privileges, it is generally a more costly insurance policy that carries with it more difficulties, among them:

You must ensure that the policy is always maintained.

You must ensure that the insurance company keeps the filing current with your state.

You must continue to maintain the policy even if you move out of the state.

The Affect of Moving on SR22 Insurance

As a rule, moving to a different state does not relieve a driver of the obligation to maintain an SR22 insurance policy. Although your new state of residence may not require it, the state that ordered you to file an SR22 will want proof that you continue to carry insurance that meets at least the minimum liability requirements of your former state. Some states also require that any SR22 insurance policy you purchase come from an insurance company registered to do business in both your new state as well as your old one.

Having to get an SR22 insurance policy is inconvenient and costly, but it is not a permanent situation. It is important to address the matter as quickly as possible and then take steps to amend your driving behavior in order to avoid the situation in the future. Once the mandated period has passed, and assuming that you have had no more driving difficulties, you will be able to obtain conventional insurance that is more affordable and does carry the same burden.

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