Finding the Best SR22 Insurance Policy
How do I get the best SR22 insurance policy?
Josie
Aurora, CO
First of all, what is an SR22 insurance policy? It is a high-risk auto insurance policy that is given to a driver whose driving privileges have been suspended or revoked. Drivers who have been caught driving under the influence of alcohol or motoring with a lapsed car insurance policy are the most common candidates for this type of policy.
A “suspended” driver must file an SR22 certificate to assume financial responsibility for the violation he has committed. An insurance company must officially file the SR22 with the state’s Department of Motor Vehicles on his behalf to remove the suspension and reinstate his driving privileges. By filing an SR22 certificate, the driver proves that an insurance firm has issued him liability coverage for his vehicle. However, the driver must keep his SR22 policy for a minimum of three years from the date the driving privileges were restored.
Since the filing of an SR22 is a must in almost all states, you may find that getting the best SR22 insurance can be quite tedious and confusing. After all, there will be a lot of insurance brokers who will prey on your unfortunate situation by promising you things that may not necessarily be true. Here are some pieces of advice that you may use for guidance in shopping for the best SR22 insurance policy:
1.) Get as many SR22 quotes as you can. Since a lot of companies will be clamoring to get your business, they will also try to make their rates as competitive as possible. Use this to your advantage, instead of settling for the first policy offered to you. Don’t give in to desperation.
2.) The best SR22 insurance policy is not the cheapest but the one that can offer you the most protection. Look closely at the terms and conditions, coverage amounts, premium payments, and the like before you sign on to the company.
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