SR-22 Insurance and Bad Driving Records
No one is a perfect driver. But even those of us with less-than-perfect records need car insurance. Have you been told that you need to get SR-22 coverage? Learn about it here and how you can still get the car insurance you need to keep driving.
What Is SR-22 Insurance Coverage?
Sometimes the state requires drivers to get an SR-22 certification to be allowed to continue driving. There are several reasons that someone might be required to get SR-22 insurance, but common examples include:
- Having your license suspended or revoked
- Getting too many tickets or traffic violations in short period of time
- Being involved in an at-fault accident without valid insurance
- DUI/DWI or other very serious driving violations
All of these factors may make you considered a “high-risk driver” by insurance companies, which can make it difficult to get affordable car insurance.
How Do I Get SR-22 Insurance Coverage?
If your state decides that you are required to get SR-22 certification, you will have to fill out an SR-22 form when you get car insurance. The form is then submitted to your state’s Department of Motor Vehicles (DMV) and kept on file as long as your state requires you to, usually three years. You must remain continuously insured for the SR-22 to remain valid.
Does an SR-22 Cost Me Money?
Usually, you will need to pay your insurance provider a one-time fee to complete the SR-22 form. This can range from $15 to $25 dollars. Your insurance rates will be determined just the same as they would for any other driver. But remember, being a high-risk driver may mean higher rates.
What if I Need Insurance Now?
You’re in luck! Cheap’nEasy Auto Insurance specializes in helping drivers like you get the most affordable coverage for your needs. Even if you require SR-22 certification or have a poor driving record, we’re here to help. Call for a quote today and learn just how cheap and easy your car insurance can be.