SR22 Insurance – How To Get Your Driver’s License Reinstated Quickly
If your driving privileges are suspended, requiring you to obtain an SR22 Insurance Policy and Certificate, this video explains how you do it Quickly and Legally. While pricing and coverage requirements vary widely from State to State, the process remains relatively the same no matter where you live.
SR22 Information Everybody Should Know…
What is SR22 Insurance?
Most states will require you to show future financial responsibility by having SR22 insurance. SR-22 insurance can be purchased by a licensed insurance company in your state. The form shows the state that you have minimum liability limits for auto insurance. It is most often required after you get cited for driving without insurance, DUI or other major traffic violations.
Where do I get cheap SR22 insurance?
Cheap SR22 insurance is easy to find if you shop around for the best price. Be sure to let the company know you need an SR22 and any accidents or tickets you also have.
Can I get an SR22 if I don’t own a car?
Yes, you can get SR22 insurance if you don’t own a car. Many people don’t own a car but are required to show financial responsibility to the state. Ask your insurance company for a Non-Owner SR22 insurance policy. This type of policy will provide you with the required liability coverage and is not tied to any one vehicle but any vehicle you drive.
How long is the SR22 valid?
In most states the SR22 is required for three years but can be up to 5 years depending on your court required suspension period. The required time period will be stated on your suspension paperwork. If you cancel your SR22 policy prior to the end of your suspension the state will suspend your license again.
How much does SR22 insurance cost?
The cost to add an SR-22 filing to your auto insurance is usually to . This is only the cost to file the form with the state. Your largest cost associated with the SR22 is the underlying citation such as a DUI. Most insurance companies increase your auto premium substantially in the event you are convicted of a DUI or other major violation. Be sure to get SR22 quotes from multiple companies to compare prices.
What if I move to another state during my suspension?
If you are required to have an SR22 filed with your current residence state and you move you must continue to file with your previous state. Be sure to inform you insurance company of the new address but make sure that SR22 does not cancel. Not every state requires an SR22 filing so ask your insurance agent or company for details.
Can I switch insurance companies when I have an SR22?
Yes you can switch insurance companies during your required suspension period. If you find a lower rate at a different insurance company just make sure there is no lapse of coverage and the new company has all the SR22 filing information.
Who needs an SR22?
If you have been arrested or convicted to one of the following you may be required to carry an SR22:
1. Driving under the influence DUI, DWI, DWAI
2. At fault in an accident while driving without insurance
3. Multiple traffic offenses specific to your state
4. Most any suspension related to a traffic violation
Is SR22 insurance valid in multiple states?
No, SR22 insurance is specific to the state which the violation occurred. If you plan to move to another state while your current state still requires the SR22 filing do not cancel the policy until you have transferred your insurance to the new state. Some states don’t require SR22 insurance but may have other requirements. Check with an insurance agent to see what the state requirements may be.
What is the difference between FR44 insurance and SR22 insurance?
Currently there are only two states that require FR44 insurance filings, Florida and Virginia. The FR44 is a proof of insurance certificate that requires the driver to have higher liability limits on the auto insurance policy due to a DUI. Driving under the influence in one of these states will result in much higher car insurance premiums and a three year period of filing an FR44 form. The cost of the filing is only – but having the DUI on your driving record will cause the premiums to increase dramatically.
If you have additional questions, don’t hesitate to call FR44 & SR22 Experts at 1-855-678-6977.
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Get your Driver’s License reinstated Quickly, Safely, and Legally. Get a Quote, have multiple insurance companies shopped, and have your SR22 Certificate filed with the DMV in less than 10 minutes.