Cheap SR22 Insurance Quotes
It is so easy to get SR22 Insurance Quotes today. When I got my DUI back in the 80's you couldn't get Cheap SR22 insurance quotes online like you can today. What is so great now is that you can shop around and find the best price . You may be thinking that it only last a few years so why not just pay for it and not get any SR22 Insurance Estimates. Well here is a news flash if you need SR22 Insurance you are now considered high risk and that will affect you in all of your insurance coverages. So by shopping around and getting several SR22 Insurance Quotes can save you hundreds of dollars a year. And with todays very bad economy we all need to save when we can .
You may wondering what is SR22 insurance ?
An SR22 Form Filing is an endorsement that is added to an Auto Insurance Policy that informs the department of Motor Vehicles that you are now in compliance with the state's minimum requirements for Auto insurance. The Primary reason an SR22 Filing is ordered is due to the driver's already having been convicted of a Failure to maintain Auto Insurance as required by law. It can also be required after certain other traffic related offenses such as DUI, DWI's and other serious traffic violations involving negligence or severe endangerment of other drivers or pedestrians.
If your SR22 endorsed Auto Insurance Policy cancels, lapses or expires for any reason, The Insurer is required by law to send an SR26 Filing to the state DMV notifying them that you are once again no longer in compliance with the states Financial Responsibility laws. After an SR26 filing the state can then Suspend your drivers license. You will likely then have to find another or the same insurer that is willing to issue an SR22 Filing to have your license re-instated.
How long will you need to have SR22 insurance?
Typically you will need to carry SR22 Insurance for three years. However it all depends of your particular case.
Since you are high risk insurer can you still get discounts?
Yes you can still get discounts and I'm going to help you with that by listing a few tips so when you get your online Cheap SR22 Insurance Quotes you can get the best deals.
1. Combined as many insurance policies as you can add your regular auto insurance as well as if your married add your spouse's policy and if they offer home add that add your boat and motor cycle. If you can ad all of these or even a few of them it could save you hundreds and hundreds of dollars a year.
2. If you have an anti theft device like a car alarm or a house alarm system that can get you a discount.
3. If you have smoke detectors and carbon monoxide detectors through out your home that will give you a discount.
4. Raise all of your deductibles if you raise your deductibles on your car from $100 to $500 that can say you as much as 10% on your insurance and if you can raise it to $1,000 that can be a savings of 25% and that can be huge. Now you may not think you can afford that high of a deductible if you have an accident. Well I'm going to tell you how you can and at the end you will have the piece of mind that your covered. First thing you do is open up a savings account and use it for your deductible only. Then over the next few months make payments to that account just like it is a bill until you reach the deductible level and once you reach it just leave it alone and let it grow. Over time that will also grow into an emergency fund as well.
5. You will often get a discount when you get your SR22 insurance Quotes an any other Insurance policy just by signing up online. That's because your cutting out the middle man and the insurance company doesnt have to pay a commission to an agent and they will pass the savings on to you.