Best Tips Finding The Cheapest Auto Insurance SR22 Quotes
How does one find cheap SR22 auto insurance quotes? What can one do to find cheap SR 22 car insurance rates? These are important issues for anyone that has had to become familiar with their state's SR22 auto insurance requirements. Read on to learn some of the SR22 essentials and then see if you can put them to good use saving you some money!Keep in mind while shopping for SR22 insurance, that the SR22 form is not an additional insurance that is included to your policy. The form, which is filed usually by insurance providers, lets your state know that you have met the minimum requirements for liability auto insurance. If you have an existing policy already, ask the insurance company or agent to have it filed with your state as SR22 certificate. Though some companies online do not offer the filing service, some will do it will an applied fee. The extra charge with filing the SR22 form can range from 25 dollars or more depending on where you purchase it from. Try to find a company that will not have the extra charge or file the form yourself with your state department of motor vehicles.
One of the best ways to find cheap SR22 insurance is to limit your driving and correct any offences or limits that make you a high risk driver. Some companies online will give you cheaper rates if you only use your vehicle to drive to and from work or school. Driving school can be a better way to lower insurance and lets the company know that you are serious about driving safely. It will also help you become a better driver, which will ultimately save you money in the long run with insurance rate policies. SR22 forms will be kept on record for as little as one year and up to three years depending on the infractions against your driving history.
There are several reasons why a person's driver's license may be suspended, including:
- DWI/DUI Conviction
- Unpaid Fines
- Causing an Accident While Uninsured
Once you arrange for car insurance following the suspension, ask the insurance company to issue an SR22. You have the option of taking it to your local DMV office personally.
The first place you should look for an SR22 form is from your existing insurance company. It's possible that the company may refuse to insure you after your license has been suspended, or it may continue to offer coverage, but at a higher cost.
If you are unable to stay with the same insurer, then it's time to start looking for coverage elsewhere. There are some companies that specialize in providing coverage or higher-risk drivers (which you are if you need an SR22), or you can approach any insurance company you like to try to arrange coverage. The worst-case scenario is that you will get turned down.
Buying SR22 Insurance
The procedure for getting SR22 insurance is the same as getting a regular auto insurance policy. To get the best rate, it pays to shop around. The Internet provides you a lot of information about the companies that offer this type of coverage. Use your favorite search engine to get a list of companies that service your area and to some quotes.
SR22 coverage may be extended for higher-risk individuals, but it is still auto insurance. You still need to make sure that you have the right level of coverage to adequately protect your assets. Examine the policy provisions carefully to make sure you understand what your policy covers and what the exclusions are.
Finding The Cheapest SR 22 Car Insurance Rates
Even with SR22 issues it is still possible to find a cheap auto insurance policy but one must put in the time and effort. Finding cheap SR22 insurance may not be a realistic goal if you aren't willing to do some research and shop around, since many insurers will charge more for coverage following a driver's license suspension. That doesn't mean that you shouldn't try to find the best deal possible, though. Shop around to find a company willing to give you the best rate on the right level of coverage for you. And you can compare best 3 auto insurance sr22 companies to get the cheapest rate quotes: GEICO (www.geico.com), STATEFARM (www.statefarm.com), SAFEAUTO (www.safeauto.com). Article Source: http://EzineArticles.com/1357923, http://EzineArticles.com/6024967