Cheap SR22 Insurance in Illinois

If you’re looking for cheap SR22 insurance in Illinois, then you’re in the right place. Here, we’ll explain everything you need to know about SR22 insurance and how to find the cheapest rates in Illinois. By the end of this article, you’ll have a better understanding of what SR22 insurance is, why you might need it, and how to get the best rates.

What is SR22 Insurance?

SR22 insurance is a certificate of financial responsibility that proves you have the minimum liability insurance required by the state of Illinois. This certificate is often required for drivers who have been convicted of certain traffic violations, such as driving under the influence (DUI) or driving without insurance. It’s also required for drivers who have had their license revoked or suspended.

When you purchase an SR22 insurance policy, your insurance company will file a form with the Illinois Secretary of State to show that you have the required insurance coverage. If your policy is cancelled or lapses, your insurance company will also be required to notify the Secretary of State, which could result in the suspension of your license.

Why Do You Need SR22 Insurance?

If you’ve been convicted of a serious traffic violation or had your license suspended or revoked, then you’ll likely need to obtain SR22 insurance in order to get your driving privileges reinstated. The state of Illinois requires you to show proof of financial responsibility before you can legally drive again.

Some common reasons why you might need SR22 insurance include:

It’s important to note that the length of your suspension or revocation period may vary depending on the severity of your violation and whether it’s your first offense.

How to Get the Cheapest SR22 Insurance in Illinois?

SR22 insurance can be expensive, but it’s possible to find cheap rates if you shop around and compare quotes from multiple insurance companies. Here are some tips for finding the cheapest SR22 insurance in Illinois:

1. Compare Quotes from Multiple Insurers

Don’t just settle for the first insurance company you find. Shop around and compare quotes from at least three different insurers to find the best rates. Make sure you’re comparing policies with the same coverage limits and deductibles.

2. Look for Discounts

Some insurance companies offer discounts for things like safe driving, bundling multiple policies, or paying your premium in full upfront. Be sure to ask your insurer about any available discounts.

3. Maintain a Good Driving Record

If you maintain a good driving record, you may be able to qualify for lower rates over time. Be sure to follow all traffic laws and avoid getting any new traffic violations or accidents.

4. Choose a Higher Deductible

Choosing a higher deductible can lower your monthly premium, but keep in mind that you’ll have to pay more out of pocket if you get into an accident.

FAQ

1. How long do I need to have SR22 insurance in Illinois?

The length of time that you’re required to have SR22 insurance in Illinois varies depending on your violation. Typically, you’ll need to maintain SR22 insurance for three years from the date of your license reinstatement.

2. Can I get SR22 insurance if I don’t own a car?

Yes, you can get non-owner SR22 insurance if you don’t own a car but still need to show proof of financial responsibility. This type of policy provides liability coverage when you’re driving someone else’s car.

3. Will my insurance rates go up if I get SR22 insurance?

It’s possible that your insurance rates may go up if you need to get SR22 insurance. However, if you shop around and compare quotes from different insurers, you may be able to find a policy with lower rates.

4. What happens if I let my SR22 insurance policy lapse?

If your SR22 insurance policy lapses, your insurance company is required to notify the Illinois Secretary of State, which could result in the suspension of your license. It’s important to make sure you pay your premiums on time and keep your policy active for the required length of time.

5. Do I need to get SR22 insurance in Illinois if I move to another state?

If you move to another state, you’ll need to follow that state’s requirements for financial responsibility. If you still need to maintain SR22 insurance, you’ll need to make sure your policy meets the requirements of the new state.

By following these tips and understanding the requirements for SR22 insurance in Illinois, you can find the cheapest rates and get back on the road as soon as possible.