My boyfriend also lives in San Francisco, California and he has a different car insurance rate as compared to me. Why is that? I mean we are both from the same place but we have different car insurance companies. I am just wondering, why do car insurance rates differ from each other?

Cathy

Every car insurance company has its own guideline that it follows in setting auto insurance premium. The very basic rule in setting a person’s auto insurance rate would be on how much risky is it to insure a person. This includes (but is not limited to) like for example how much it will cost your insurer to insure you, how much claim is likely to be made by you and a lot more. But it always boils down to one thing – on how much money your car insurance company will likely spend in an event that they take you under their wings.

In general, car insurance companies set their auto insurance premiums depending on the policyholder’s age, sex, driving history, claim history, credit history, type of vehicle, place of residence, and driving miles. This is an industry wide practice. So going back to your question, aside from the fact that you two have different car insurance companies, there are also several factors being considered. And I assume you got differences with those factors.

If you would like to know specific details on how you can save on your auto insurance rate in San Francisco, California I would say it’s best to ask your car insurance agent. If you are paying too much (or your boyfriend is) on your car insurance premium, then try to shop around for car insurance quotes through websites. I’m sure you’ll get so much information about it.

I may just opt to buy SR22 auto insurance online because I think it’s much easier but I don’t know if it’s secured. Also, would it be less expensive than getting my coverage through an insurance agent here in Alaska?

Caleb

Anchorage, AK

Getting SR22 auto insurance online could be less expensive than getting your coverage through an auto insurance agent. Auto insurance companies offer more discounts when you purchase your coverage online since their expenses would be less. They don’t have to spend too much money on advertising and brochures since they can market their products online. Because of that, they pass along their savings to their customers, thus you can be offered less expensive auto insurance quote. Also, you don’t have to bother waiting forever for someone to answer your auto insurance questions.

If you go to an auto insurance comparison Website, you can get multiple auto insurance quotes from different reputable auto insurance companies. This way, you have a lot of choices to go over with carefully to find the auto insurance quote that best suits your needs. Just remember not to compromise the price for the auto insurance coverage. When comparing auto insurance quotes online, you can do this in a matter of minutes.

The privacy would be preserved because every auto insurance company has privacy terms that they abide to. The auto insurance quotes being offered come directly from these insurers. Get moving and start saving by comparing auto insurance premiums in Alaska.

My boyfriend needs to get SR22 Hawaii because he’s been cited for DUI. I’m not so familiar with this SR22 insurance. Can you tell me more about this?

Lisa

Koolaupoko, HI

Sure Lisa!

Not everyone is required to get SR22 insurance. But usually those drivers who had been cited for DUI or DWI offense must get SR22 insurance to reinstate their license. This may also be called as high risk vehicle insurance since in general, drivers who were involved drunk driving activities are required to have SR22 Hawaii insurance.

Once your boyfriend gets his SR22 insurance from a certain vehicle insurance company, his insurer will file it to Hawaii Department of Motor Vehicles (DMV). This provides guarantee to your home state’s DMV that your boyfriend is meeting the vehicle insurance requirements in the state of Hawaii.

For your boyfriend’s SR22 insurance needs, it’s only normal that he would be charged for higher rates. Normally, SR22 insurance rates are higher as opposed to his vehicle insurance rates before his license is suspended – it may double.

You may be wondering how long your boyfriend needs to maintain SR22 Hawaii insurance. You don’t have to worry because you are not required to maintain it for life. Depending on the severity of your offense, usually it would be for three years.

To help your boyfriend find cheap SR22 insurance quotes, then you must be using the Internet frequently and get as much as SR22 insurance quotes that you can get. From there, you may find the best SR22 deal that suits your budget.

I knew someone who has been cited for a DUI offense. From what I heard he needs to get SR22 Alabama. Can you tell me more about this SR22?

Ricky

Montgomery, AL

I’m sorry to hear that Ricky. I hope your friend is doing ok.

Before I tell you what an SR22 Alabama is all about, let me just give you a little background about vehicle insurance law in Alabama because this is related to SR22.

As you know Ricky, it is illegal to operate a motor vehicle without getting vehicle insurance coverage. In general, one cannot register a certain vehicle unless vehicle insurance is purchased for that vehicle. And that rule does not exempt residents of Alabama. To be exact, in your home state, one cannot operate motorcycles, mopeds or even golf carts without liability insurance coverage on those vehicles. Thus, everyone else is expected to purchase vehicle insurance as long as they are operating a vehicle on the streets of Alabama, since this is required by the Alabama state law.

The state of Alabama follows 20/40/10 system for its minimum auto insurance requirements whereas:

• $20,000 for bodily injury for every person in a single accident
• $40,000 for two or more people in a single accident
• $10,000 for property damage in a single accident

If you’ve been in an accident that resulted harm to another party’s body or property, then expect that a police officer will ask you to present proof of an active vehicle insurance coverage on the vehicle you are operating. This can be done by showing your vehicle insurance card. If your vehicle insurance policy is inactive, then the Alabama Department of Motor Vehicles (DMV) will suspend your operator’s privileges.

In addition, you may also be asked to show proof of meeting the financial responsibility laws in Alabama by getting SR22 Alabama. Usually, you will be obliged to do this if you’ve mount up too many road violations on your records, with a DUI or DWI conviction, or operating your vehicle without vehicle insurance.

The SR22 insurance is also known as high risk auto insurance. This guarantees that you or a particular driver, who needs SR22, will maintain the required auto insurance in the state of Alabama. Depending on the severity of one’s traffic violation, the requirement of keeping SR22 insurance in Alabama varies. However, for most cases it for a period of three to five years.

If you need SR22 Alabama, the Internet offers lot choices to choose from. For more information about SR22 insurance check with your vehicle insurance agent.

My brother needs SR22 insurance. He’s been a bad driver and now his license is suspended. He told me that the only way to reinstate his license is to get SR22 insurance. I don’t even know what that insurance is and how much that will cost. Can someone help me with SR22 insurance prices in Rhode Island? And also, please tell me something about this SR22 insurance stuff. I am just so clueless about it.

Minnie

Providence, RI

Getting SR22 insurance prices in Rhode Island is quite easy. In fact, you can do that anytime anywhere. How? By just using the Internet.

Yes Minnie you read it right. The internet offers SR22 insurance online quotes and all you need to do is just spend a little of your time browsing through the websites that offer SR22 insurance in your area.

I tried it myself when my boyfriend needed one before and here are the common information that you need to fill out:

• Name
• Address
• Zip code
• Date of Birth
• Contact Number
• Email address
• Auto insurance policy information like name of the car insurance company and expiration date of the policy
• Violations in the past

After you completing the online form, the information you have given will be reviewed by a representative of said car insurance company. Then, you will receive an email regarding their proposal. This will include the SR22 insurance prices in Rhode Island that you need. Now, if you’re not satisfied with the proposal, then you have the option not to get it from that insurer since you are not under in any kind of agreement at all.

I will be moving to Arizona next month. At present, I live here in Alabama and I am required to maintain SR22 insurance for three years. This is my second year which means I got one more year for SR22 insurance. Now, since I will be moving to Arizona do I still need to keep my insurance SR22 in Alabama?

Sarah

Montgomery, AL

Definitely. Just like Alabama, the state of Arizona also requires SR22 insurance for several reasons like a DUI conviction for one. Since you’ve mentioned that you are required to maintain SR22 insurance for a period of three years then moving to another place would not change your requirement for insurance SR22 in Alabama in anyway. With this, it means you are still obligated by the Alabama law to maintain your SR22 insurance for one more year.

Although SR22 insurance varies among states, you need to make sure that your insurance SR22 in Alabama still meets what is required by the Alabama state law. Hence, that would be meeting the required minimum limits of 20/40/10: $20,000 for bodily injury liability for every person; $40,000 for every accident and $10,000 for property damage liability.

Meanwhile, the minimum required limits for auto insurance in Arizona are 15/30/10: $15,000 for bodily injury liability for every person up to $30,000 to cover for two or more persons and $10,000 for property damage liability.

Since the minimum required limits for auto insurance in Arizona is different from Alabama, you may want to check with the Arizona Department of Transportation on how you can get an AZ license and at the same time maintain your insurance SR22 in Alabama.

My husband got his license suspended because he was caught driving without car insurance, they said the only way to get his license back is through an SR22 car insurance policy, what is that and how do we get one? I dont have a lot of cash to spend, so I need something cheap and just the minimum coverage needed.

Cecily

Columbus, GA

An SR22 is a certificate that is submitted to your state’s Department of Motor Vehicles (DMV) and serves as proof that you are carrying adequate amounts of car insurance coverage and can is financially capable of compensating anyone against injuries and damages you may cause during a car accident. An SR22 form also serves as your state’s way to keep track of those who has had unsatisfactory driving records and behaviors and in a way, assures mutual financial protection for both drivers and citizens that may get involved in a car accident.

Before your husband can facilitate getting his driver’s license reinstated, he must first find a company who is authorized to provide SR22 car insurance coverage. The insurance provider is actually the one in charge of submitting this form to your DMV office there in Georgia. Your husband would also have to maintain the SR 22 car insurance policy for the next couple of years, without any gaps, lapses or cancellations to avoid further penalties and keep your premiums from ballooning.

It would be best to begin your search for the most affordable SR22 car insurance on the Web. This website has a free insurance quote search tool that allows you to get the most up-to-date rate quotes, as well as compare offers and policies from many different insurance providers available.

I live in Iowa. I have a boyfriend that needs to get SR22 insurance here. I am quite confused. When do you need SR22 insurance in Iowa?

Nina

Iowa City, IA

Interesting question.

Well, not everyone needs to get SR22 insurance. That’s what I always told to my friends whenever they asked me about SR22 insurance stuff.

As to your question on when do you need SR22 insurance in Iowa, you need to provide proof of financial responsibility to have your license reinstated if you caused an accident to another party that exceeds the amount of $1000.

And one way of providing your financial responsibility is to get car insurance liability coverage. To have your license reinstated, your car insurance company (that is licensed by the state of Iowa to conduct business here) needs to file SR22 insurance to the Office of Driver Services. This is an insurance form that proves you have car insurance coverage in Iowa.

However, there are other ways of proving your financial responsibility like but not limited to:

• Filing an agreement saying that you will be paying the damaged party on an installment plan
• Getting a release from the party that was/were injured or damaged in the accident
• Postal money order, cashier’s check, bank draft, post cash, all payable to the Iowa Office of Driver Services

For more information on when do you need SR22 insurance in Iowa, you may wish to ask your auto insurance agent in your area. You can also check with the Iowa Department of Transportation.

My friend is convicted with DUI. As much as I wanna help her, she would not tell me everything about her conviction. She just told me that she needs DUI SR22 insurance because of her conviction. Can you give me some information about this? I’m totally clueless and I just wanna help my friend. Which carrier will have the cheapest?

Rena

Denver, CO

I’m sorry to hear what happened to your friend. But just to be honest Rena, not to dampen your spirits, but being convicted of driving under the influence (DUI) is something you don’t wanna happen to you. For one, a DUI conviction automatically makes your friend a high risk driver. And auto insurance companies charge higher car insurance premiums with people with DUI conviction.

As to your question on what is DUI SR22 insurance, this includes two important terms – DUI and SR22. Let’s first define what an SR22 is.

An SR22 is an insurance form that your car insurance company needs to submit to your state’s Department of Motor Vehicles to have your license reinstated. This insurance forms provides proof of an existing car insurance coverage that meets the required auto insurance in your state. Meanwhile, DUI insurance is simply car insurance that is specifically designed for people with DUI conviction.

I think the reason why your friend told you that she needs DUI SR22 insurance is because she needs to get SR22 insurance for her DUI conviction. Since she is convicted of DUI, she needs a special documentation in the form of SR22 insurance to make sure she has an active and existing car insurance coverage. So what you can do for your friend is to look for SR22 insurance quotes by using the websites. From there you may be able to find the best car insurance company that can offer you the DUI SR22 insurance for your friend.

I’ve read somewhere about SR22 insurance California. I am from Sacramento. I am just wondering, do I need this kind of insurance?

Allie

Sacramento, CA

Before I tell if you need SR22 insurance California or not let me just give you a little information about SR22 insurance.

If your license is suspended by the California Department of Motor Vehicles (DMV), you need to get SR22 insurance California. An SR22 is a form or document that needs to be filed by your car insurance company to CA DMV as a proof that you have met the required car insurance in the state of California.

In most cases, driving privileges may be suspended because of:

• Drunk driving
• Several moving violations in a period of one year
• Fines that you were unable to pay or parking violations
• Driving without car insurance
• Disobeying the CA DMV rules and regulations

To have your license reinstated, your SR22 insurance needs to be filed by your own car insurance company. To get SR22 insurance, you need to get car insurance policy first that meets the required limits for the state of California. You need to be careful not to let your car insurance lapse because if it does, your auto insurance company will inform the CA Department of Motor Vehicles. And as a result, the CA DMV will again suspend your license.

The period where you need to keep SR22 insurance depends on the seriousness of your traffic violation. However, in most cases it is for a period of three (3) years.