Is There Such a Thing as Cheap SR22 Auto Insurance?
Reader’s Question:
Is there such a thing as the cheapest SR22 auto insurance?
Henry
New York, NY
An SR22 insurance is something you didn’t voluntarily buy. I wouldn’t necessarily call something I was forced to purchase ‘cheap.’ But there are car insurance companies out there that can offer you comparatively cheap SR22 insurance. Your car insurance company files this form to the local DMV office in your state, and this usually follows after you’ve committed a serious offense or conviction. This was most likely ordered by a municipal court or by the DMV. Some offenses and a conviction usually lead to a suspension of your driver’s license or car registration; sometimes they even impound your car. In order to get any of that back, filing the form is required. How much you might have to pay may depend on how bad your offense was.
The lighter types can probably get you relatively cheap SR22 auto insurance. If you happen to be arrested for drunk driving, that will automatically put you in the high risk category of drivers and you can kiss any likelihood of getting cheap SR22 insurance goodbye. Some companies, however, are better at offering this kind of insurance than others. So having one that specializes on it as your provider may also give you a chance to obtain reasonably cheap SR22 insurance.
Choosing the Cheapest SR22 Insurance Company?
Reader’s Question:
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.
Loading ...