SR22 Insurance Quotes: Everything You Need to Know

If you are planning to get an SR22 insurance quote, then this article is for you. Here, we will explain everything you need to know about SR22 insurance and how to get an SR22 insurance quote.

What is SR22 Insurance?

SR22 insurance is a certificate that proves that you have car insurance. It is required by the law in most states if you have been convicted of certain driving offences such as driving under the influence (DUI), reckless driving, or driving without insurance.

The SR22 insurance certificate is not an insurance policy itself, but it is a guarantee that you have car insurance that meets the minimum requirements of your state.

Why is SR22 Insurance Required?

SR22 insurance is required to reinstate your driving privileges after you have been convicted of certain driving offences. It is also required to prove that you have obtained adequate car insurance coverage, which is necessary to protect other drivers on the road.

Without an SR22 certificate, you are not legally allowed to drive your car on the road. If you get caught driving without an SR22 certificate, you will face severe legal consequences, including fines, suspension of your driver’s license, and even imprisonment.

What are the Requirements for SR22 Insurance?

The requirements for SR22 insurance may vary from state to state, but in general, you need to have a car insurance policy that meets the minimum liability coverage requirements of your state.

Minimum liability coverage includes bodily injury liability and property damage liability. Bodily injury liability covers injuries to other drivers, passengers, and pedestrians in an accident that you are responsible for, while property damage liability covers damages to other people’s property.

To get an SR22 certificate, you need to contact your car insurance provider and request an SR22 filing. Your car insurance provider will then file the certificate with the Department of Motor Vehicles (DMV) on your behalf.

How to Get an SR22 Insurance Quote

Step 1: Contact Your Car Insurance Provider

The first step to getting an SR22 insurance quote is to contact your car insurance provider. Not all car insurance providers offer SR22 insurance, so it is important to make sure that your car insurance provider does offer it. If your current car insurance provider does not offer SR22 insurance, then you will need to find a new car insurance provider that does.

Step 2: Provide Your Personal Information

To get an accurate SR22 insurance quote, you will need to provide your personal information such as your name, address, date of birth, and driver’s license number. You will also need to provide information about your car, including the year, make, model, and VIN number.

Step 3: Provide Information about Your Driving History

You will also need to provide information about your driving history, including any driving convictions or violations that you have had in the past. This includes DUI, reckless driving, and driving without insurance.

Step 4: Choose the Right Coverage

After providing your personal information and driving history, your car insurance provider will present you with different coverage options. It is important to choose the right coverage that meets the minimum liability coverage requirements of your state.

Step 5: Review and Confirm

Make sure to review the SR22 insurance quote carefully and confirm that all the information is correct. Once you have confirmed everything, you can proceed with purchasing the policy and obtaining the SR22 certificate.

SR22 Insurance Quotes FAQ

1. How long is an SR22 certificate valid for?

SR22 certificates are typically valid for three years, but this may vary depending on your state laws and the severity of your driving offence.

2. How much does SR22 insurance cost?

The cost of SR22 insurance may vary depending on several factors such as your driving record, age, and location. It is always best to get quotes from different car insurance providers to find the best deal.

3. Can I get an SR22 certificate without a car?

Yes, you can get an SR22 certificate without a car. Non-owner SR22 insurance is available for drivers who do not own a car but still need to get an SR22 certificate to reinstate their driving privileges.

4. What happens if I let my SR22 certificate lapse?

If you let your SR22 certificate lapse by not paying your premiums, your car insurance provider will notify the DMV, and your driver’s license will be suspended. You may also face legal consequences such as fines and imprisonment.

5. Can I switch car insurance providers with an SR22 certificate?

Yes, you can switch car insurance providers with an SR22 certificate. However, it is important to make sure that your new car insurance provider offers SR22 insurance and that they will file the certificate with the DMV on your behalf.

Conclusion

Getting an SR22 insurance quote may seem overwhelming, but it is a necessary step to reinstate your driving privileges after being convicted of certain driving offences. It is important to choose the right car insurance provider and coverage that meets the minimum liability coverage requirements of your state. Make sure to provide accurate information about your personal details and driving history to get an accurate quote.