SR22 Auto Insurance Explained

We all make mistakes in life. Perhaps you have had some trouble with your driving record and have lost your driver’s license. If your license has been suspended, you might need to get an SR-22 filing before the Department of Motor Vehicles (DMV) will reinstate your license. An SR-22 filing tells the DMV that you have at least the minimum amount of required insurance for your state. It also means that the insurance company will contact the DMV if your insurance is canceled or you let it lapse.

Why You Might Need an SR-22 Filing

There are several reasons why you might need to get an SR-22 filing. You may have been gotten a DUI. Perhaps you got in an accident and didn’t have insurance. Maybe you forgot to pay your parking tickets for five years. Perhaps you were caught speeding a few too many times and racked up too many points on your driving record. Whatever the reason that you might need an SR-22, it is important to get reinsured so you can get back on the road.

Getting an SR-22 Filing

If you need an SR-22 filing, you probably will end up paying more for your insurance than a driver with a perfect driving record will. That doesn’t mean that you shouldn’t shop around for the lowest rate. At Car Insurance Rates.com, we work with several insurance companies in order for you to get the best rate possible. Your rates will be based on several things, including your driving record, how long you have been a driver, and where you live. For example, if you had your license suspended for failing to pay five years worth of parking tickets, you will probably have to pay less for an SR-22 filing than if you had your second DUI. To get an SR-22 filing, you will have to buy liability coverage for the cars that you own. If you do not own a car, you can get “non-owners” liability coverage in order to get your license back.

Getting Your License Back

There might be more to getting your license reinstated than just purchasing liability insurance and getting an SR-22 filing. You may have to pay a reinstatement fee or other fines that appear on your driving record. In many cases, once you pay for your SR-22 insurance, you can get the SR-22 filing faxed to you if you wish to get your license back right away. It can also be mailed. With your SR-22 filing in hand, you will be ready to go to the DMV in order to get your license back. After you get your license back, you will need to maintain your SR-22 for the required amount of time, usually anywhere between one and three years.

We Can Help You

If you need an SR-22 filing, you probably will already have to pay higher car insurance rates. There’s no reason to pay more than you have to for the liability insurance that you need. We can help you easily get several quotes, just by filling out our online form with your information. We work with some of the most reputable car insurance companies in the state in order to get you the coverage you need to get you back on the road.