Cheap Car Insurance for SR22 – Everything You Need to Know

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Getting an SR22 can be a tough thing to deal with. It usually means that you’ve had some sort of problem with your driving record, like a DUI or a suspended license. Whatever the reason, it’s important to understand how having an SR22 affects your car insurance rates and what you can do to find cheap car insurance for SR22.

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What is an SR22?

An SR22 is a form that your insurance company files with the state to prove that you have the minimum required insurance coverage. It’s typically required if you’ve been convicted of a DUI, if you’ve been caught driving without insurance, or if you’ve had your license suspended for other reasons. The SR22 form is not actually insurance itself, but rather proof that you have insurance.

SR22s are required in most states, although the specific rules and requirements vary. You’ll need to check with your state’s DMV or Secretary of State to find out exactly what you need to do to get an SR22.

How Does an SR22 Affect Your Car Insurance Rates?

Having an SR22 on your record typically means that you’ll pay higher car insurance rates than you would otherwise. The reason for this is that insurance companies see drivers with SR22s as higher-risk drivers. This means that they’re more likely to file claims and cost the insurance company money.

The good news is that you can still find cheap car insurance for SR22. It just takes a little bit of effort and research.

How to Find Cheap Car Insurance for SR22

Here are some tips for finding cheap car insurance if you have an SR22:

Shop Around

The most important thing you can do when looking for cheap car insurance with an SR22 is to shop around. Get quotes from multiple insurance companies and compare them to find the best rates. Don’t assume that one company is always going to be cheaper than another. It pays to do your research.

Consider a Higher Deductible

If you’re willing to take on a higher deductible, you can often get lower car insurance rates. A deductible is the amount you have to pay out of pocket before your insurance kicks in. If you’re a safe driver and don’t anticipate filing many claims, a higher deductible could be a good way to save money.

Bundle Your Insurance Policies

If you have other insurance policies, like a homeowner’s or renter’s insurance policy, consider bundling them with your car insurance. Many insurance companies offer discounts if you have multiple policies with them.

Take a Defensive Driving Course

Some insurance companies offer discounts to drivers who take defensive driving courses. These courses teach you defensive driving techniques and can help you become a safer driver. Contact your insurance company to see if they offer discounts for defensive driving courses.

Drive Safely

Finally, the best way to get lower car insurance rates is to drive safely. Avoid accidents, tickets, and other infractions that can raise your car insurance rates. Over time, your rates will go down as your driving record improves.

FAQ

Question
Answer
What is an SR22?
An SR22 is a form that your insurance company files with the state to prove that you have the minimum required insurance coverage.
Why do I need an SR22?
You typically need an SR22 if you have been convicted of a DUI or if you have had your license suspended for other reasons.
Will I pay higher car insurance rates if I have an SR22?
Yes, having an SR22 typically means that you’ll pay higher car insurance rates than you would otherwise. Insurance companies see drivers with SR22s as higher-risk drivers.
How can I find cheap car insurance for SR22?
You can find cheap car insurance for SR22 by shopping around, considering a higher deductible, bundling your insurance policies, taking a defensive driving course, and driving safely.

Getting an SR22 doesn’t have to mean that you’re stuck paying high car insurance rates forever. By taking the steps outlined above, you can find cheap car insurance for SR22 and get back on track to being a safe and responsible driver.

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