The Ultimate SR 22 Car Insurance Guide
When most people hear about an SR 22 car insurance filing it is not under great circumstances. It may also be the first time you have ever heard of such a thing. It is not really a common talking point among adults and it can feel like a daunting task to undertake if you have no idea where to start. Get a lot of quick answers here and click the article link for more in-depth information on the topic.
It is always best to start with the basics. SR 22 is a way the state ensures you keep your car insurance active. An SR 22 filing links your car insurance to the state. Anytime a major change, late payment, or cancellation occurs to your car insurance, your insurance carrier will notify the state promptly. Learn where you can get SR 22 insurance and how much it costs.
SR 22 car insurance is often, well pretty much always, a penalty for getting caught breaking a traffic law. It could be you were caught driving without car insurance, drinking and driving, reckless driving, or other serious traffic offenses.
Getting an SR 22 filing added to your car insurance should be easy. Simply ask your insurance agent. Some preferred insurance carriers may not be willing to add the filing. The reason being is usually in regards to what happened in order to need the filing, aka, a drinking and driving violation or other major violation.
In some cases, you will need to look for a high-risk insurance carrier.
Don't own a car but still need an SR 22 car insurance filing? Find out what criteria you need to meet in order to purchase a liability only policy without a vehicle. A non-owners policy is a major money saver and can make getting your driver's license status back to good in no time.
Prepare for some major fees if you let your car insurance lapse while having an SR 22 filing. It can vary by state, but it is probable to expect driver's license suspension and suspended car registration. Hiding the cancellation from the state is not an option when you have an SR 22 filing.
Car insurance can be challenging. Talk with your agent about ways to bring down the cost. You could look at possibly lowering your coverage, raising your deductible, or switching insurance carriers. Understanding your policy is the most important step in keeping yourself well protected.