Most likely if you are in search of SR22 insurance it is because your have been informed through your state that you must have it. Don’t let the thought of this type of auto insurance worry you. Many people have been mandated to carry the policy and insurance companies are willing to work with you.
What is SR22 Insurance?
This policy is really nothing more than a system that has been set up through your state to ensure you are maintaining car insurance. What happens is you get insurance through an agent and they file documents with your state to inform them you are properly covered. Usually these documents are electronically filed and contain information about how you are meeting the minimum coverage requirements.
Sounds simple enough, but if you cancel your policy at any time, or let it lapse, the insurance company is obligated to follow up and inform the state of that. Since most people are required to have this type of policy for as little as long as three years, anytime during that period that you cancel or change insurance companies, the state will be notified. This process helps the state keep track of who has proper coverage. If you are someone that keeps up with your coverage, you have nothing to worry about.
Who Needs SR22
As you may have realized at this point, not everyone has to have this type of insurance coverage. This particular policy is one that has been designed to show that the driver is continuously being financially responsible and maintaining their insurance coverage. If you have been caught driving under the influence (DUI) or while intoxicated (DWI), you may find that you have to have this type of policy.
Other conditions that could bring about being required to carry an SR22 auto policy include driving without insurance, as so many people today are trying to do in order to save money, having received too many traffic tickets, or if you have had your license suspended.
Getting a Policy
This type of policy is a probationary period where the state wants to make sure you keep current on having car insurance. There are a few states that do no not require this type of insurance, such as Kentucky, Delaware, Pennsylvania, New Mexico, and Oklahoma. But other states do require them and insurance companies are ready to accommodate your need for it. Keep in mind that if you receive a requirement to have this type of policy and then you move to another state, you will have to continue having it until the probationary period ends, even if you move to a one that does not require them.
To get an SR22 policy, gather some quotes from several insurance providers. The good news is that having this type of policy is usually temporary and affordable rates are available if you do your homework first.