Virginia SR22 Insurance Quotes

Virginia SR22 insurance quotes are essential to make sure you get the best auto insurance rates you can.  Nobody's perfect, and if you have had a few black marks on your driving record you may be required to purchase a special insurance called SR22.  

Now just because you need to get SR22 insurance, doesn't mean you deserve sky high auto insurance rates.  Virginia SR22 insurance quotes will show you how to get the cheapest insurance for your needs.

SR22 insurance is for people who don't have a perfect driving record.  In fact, it's for drivers who are considered high risk.  This means that they have had traffic violations that give them the label of risky drivers.  

What Makes You High Risk?

Being labeled high risk means that you have had some serious traffic offenses.  You may have been caught driving without your license, been convicted of drunk driving, been at-fault in an accident or maybe haven't bothered paying your parking tickets the past few years.

These are a few of the offenses that would make you considered high risk.  If you are high risk, Virginia SR22 insurance quotes will help you to ensure that you are getting the best rates possible for your auto insurance.

The Process

There is a process if you have had your license suspended.  Remember that driving is a privilege, not a right.  If you are required to purchase SR22 insurance you will need to inform your insurance company of this.  

After you have purchased your liability insurance with them, they will file the appropriate SR22 documents for you and forward them to the state.  This will prove to the state that you have valid auto insurance and your license will no longer be suspended.  

Who Can Order SR22? An SR22 document can be ordered by your insurance company, the DMV or the courts.  Keep in mind that without an SR22, you can't have your suspension lifted and it is illegal for you to drive.

How Long Do I Need It?

This is dependent on the reasoning behind your license suspension.  If you have your license suspended because you've neglected to pay your parking tickets, you will need your SR22 for less time than if you were convicted of driving drunk.  

In general, most drivers are required to have their SR22 for one to three years, although with a DUI it starts at five years.

Penalty - If you have an SR22 and you allow your policy to lapse for either a missed payment or you have let it expire, your insurance company is obligated by law to inform the state as soon as possible.  This will result in an immediate suspension of your license in most states.  

So it is very important that you make sure your SR22 policy is up to date and in good standing.  

In order to save you some money make sure you use Virginia SR22 insurance quotes.  It will only take a few minutes of your time and you will be glad you did.

Cost - Keep in mind that if you have been labeled high risk you are now in a different category than a 'normal' driver.  Because you are labeled high risk, you will now have more issues getting cheap insurance.  Now this doesn't mean you can't get it, but it does mean that you will have to work a little harder to find it.

Virginia SR22 insurance quotes will help you compare rates and find the best one for you. With that said, your insurance rates will likely be at least double of the 'normal' driver rates.  Very often they are even more than that.  The more serious your offenses, the higher your premiums.  Also keep in mind that insurance companies will use your scuffed record as a reason to charge you inflated rates.

There isn't much you can do to stop them except make sure you use Virginia SR22 insurance quotes to get a rate you are happy with.  It definitely won't hurt to try.

The key is to try and keep your driving record clean from day one, although this is often not going to be the case.  Accidents happen and people make mistakes all the time.  A few too many mistakes on your driving record can really cost you a lot of money.  That's the negative side of the issue.

The positive side is that you don't necessarily have to pay a crazy amount of money to be SR22 insured.  Shop around and use Virginia SR22 insurance quotes to help you help yourself.  As well, you won't be SR22 insured forever if you are careful with your driving.  Normally after one to three years, your SR22 is lifted and you will be considered a 'normal' driver again.  

Let Virginia SR22 insurance quotes help you find the rates you are looking for so that you can get back to being the safest driver you can be.

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