SR22 insurance is coverage that is used by the Department of Motor Vehicles (DMV) in certain states, and it shows that the vehicle in question does indeed have liability coverage, which everyone operating a motor vehicle is required by law for to have. Having this document is your proof that you do have the minimum liability coverage for the state you are living and driving in. If you are required to have it, you must, or you will not be able to legally operate your vehicle in that state. If you are caught doing so, you are going to be in even more trouble than you were in the first place.
There are a few reasons why you may need to have SR22 insurance. For example, if you have been in an automobile accident and did not have insurance coverage, in order to be able to drive again, you will need to have proof that you have the minimum coverage as ordered by your state, and the SR22 document is that proof you need. You may also be required to have this type of insurance if you have been convicted of certain driving offenses, such as drinking and driving.
Is This the Same as Liability Insurance?
There is one thing that we should say right now, and that is that SR22 insurance is not actually insurance, but proof that you have liability insurance. The terms get kind of confusing to those of us who are not up on all of the insurance agency lingo, and sometimes even for those who work in the insurance business. Basically, when you have this insurance, you are carrying proof that you do have the proper insurance to have your vehicle on the road legally. This is insurance for those who are considered high risk drivers, and it is a way of making sure that everyone who is required to carry insurance to be able to legally operate their vehicles is monitored to make sure that they are doing what they are supposed to be doing, at least when it comes to their automobile insurance.
If you have been in an automobile accident, and you were not carrying the insurance that you are legally required to carry, you are going to be in trouble. You could lose your license for a period of time, and in order for it to be reinstated; you will need to have proof of liability insurance, which is your SR22 insurance document. It will be the same if you are convicted of a DUI or similar driving offense and your driving privileges are temporarily suspended.
The requirements for SR22 insurance vary from state to state, so you will have to find out what the requirements are in the state where you live. Something that you need to keep in mind is that if this coverage is ordered by your state, and you move to another state that does not require drivers to have this coverage, or requires you to have less coverage than you needed in the other state, you will still have to keep the coverage in effect until the policy expires. These are all things you can find out about simply by contacting your local DMV office or visiting the website. If you live in a state that requires this coverage in certain instances, and you are required to have it, it is a good idea to learn as much about it as possible in order to get the best rates possible.
Do You Need SR22 Insurance If You Don't Have a Car?
There are some occasions when it may be necessary for you to have SR22 insurance in place, without even having a car or a driver's license. If you have had a DUI conviction and have had your driving privileges suspended, you may need to have this insurance before you can get your driving privileges reinstated. Should the policy expire or be cancelled, the insurance company is required by law to notify the Department of Motor Vehicles in your state of the cancellation or expiration.
It is a good thing that you can get free quotes for this type of insurance, because the coverage itself is not going to come cheap. Due to the fact that this insurance is for high risk drivers, it only makes sense that the insurance companies are taking a risk, and therefore, are going to charge higher rates than they would for other types of automobile insurance coverage. You should make sure that if you do need to have this coverage, you get a number of quotes before making your final decision, to make sure that you are going to be getting the absolute best deal possible. You can choose from a variety of payment plans, with the one that is going to save you the most money being the one that you pay the majority of up front.
You are going to need SR22 insurance only be for a certain amount of time, and it is important that before you get your coverage, you learn all of the ins and outs. For instance, you need to ask if you are still going to have regular automobile coverage once this particular policy expires after the requirement is lifted. If not, this is something that you should plan for, and have in place when the time comes. It will also help to know this if you decide to try to find another insurer after your SR22 requirement is completed.
How To Save Money on SR22 Coverage
Even though this insurance can be rather expensive, there are things you can do to save yourself a bit of money. One way to save money is to not have a really expensive car. If your car does not have all of the bells and whistles and is just a vehicle for getting you from point A to point B, you will save money on your liability insurance. It is a good idea to check with various insurance agencies to see what else you can do to reduce the overall cost of your insurance coverage. You also need to find out which companies offer this type of insurance, because not all of them do.
Getting Insurance Quotes
Because SR22 insurance is not the most inexpensive thing in the world, it is important that you shop around to make sure that you are going to get the best rates possible in your state. You have a few options when it comes to getting insurance quotes. You can waste a lot of time and energy visiting as many insurance agencies as possible, and get stuck having to talk with insurance representatives who are working on commission, who will talk and talk until you buy a policy from them just to shut them up. You are probably not going to get the best deal this way, because after a while, you are going to get sick of listening to the sales pitches, and you will simply take whatever is offered to you.
Something else you can do is call the various insurance agencies, but again, you are going to get stuck talking to people who want to make money off you. The best and easiest way to get insurance quotes is to go online, where you can remain completely anonymous, and you will never have to worry about pushy sales people calling you all the time after you get your quotes. You can get all of the quotes you need in order to do a thorough comparison without ever having to talk to a single person, and you can get these quotes for no cost at all. That's right. You can get all kinds of insurance quotes for free, and you don't even have to do a lot of work to get them. Simply take a couple of minutes to answer a few simple questions, and you will have all the quotes you need in no time at all.
Once you have your insurance quotes, you can take your time (but not too much time...after all, you need your insurance right away if you want to drive legally), and figure out which insurance companies actually offer this type of insurance, and which companies offer it at the best rates. Then, once you have made your decision, it is simply a matter of contacting the insurance agency to make your purchase, and even this is something that you can do online. It has never been quicker or easier to get insurance quotes, and insurance, all from the comfort of your own home at your convenience.
Go online today and request your free quotes for SR22 insurance.
If your state requires it in certain situations, and you have been in one of those situations and need this coverage, the best way to get it is to find the company with the best products and the best rates. You can only get this information by getting quotes, and you can have your quotes in a couple of minutes if you make your request right now.