Sr22 Insurance
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How much does sr22 insurance cost?


We all pay for different insurances which protects us from any calamities. You probably must have never heard of sr22 form if you are properly insured driver with good record. However if you are one of those who has been cited for driving under the influence of alcohol or drugs or without insurance or in any reckless manner, you need an approved sr 22 certificate to drive legally in most states. The first question that bothers all is how much will sr22 insurance cost? Filling of this form by your companies will not directly affect your premium rates. It just indicates someone of paying higher amount of car insurance. Be aware there are many insurance companies looking to take advantage of the situation of these individuals. They try to take more premiums by quoting them higher quotes which is unjust to the troubled drivers.

It is ordinary to find higher rates when it comes to sr22 insurance but not all companies are here to take advantage. There are many genuine companies which help these drivers by quoting cheapest quote for this coverage. The most important thing is once you have last your driving rights just do not rush up to sign a contract with any company to get back your privileges. Instead of just rushing up and signing the contract with the first company you come across it is best scout out some time and find a reliable company that will provide you with legitimate and fair sr22 insurance cost. Depending on the state these drivers are required to have this form for one to three years. He is obligated to notify the state if the insurance lapses during this time.

sr22 insurance cost

How much is sr22 insurance?

All the insurance companies charge nominal fees for filling sr22 form. The state law differs for this form but most of the companies charge a fee of $15-$25. How much will be your sr22 insurance cost greatly depends on your driving record. Some of the reasons that can add that extra cost to your insurance are: 

  • Not paying for auto insurance policy for a significant period of time.
  • If you were involved in any major traffic accidents in the past.
  • If you are convicted of driving under the influence of drugs or alcohol.
  • Even if you are sited several times for driving over the speed limits 
So the sr22 insurance cost is not driven up by the need of the form itself but the cost increase as these drivers are viewed by most insurance companies as people with high risks as compared to those who don’t require this form. Hence these insurance companies charge more to insure these drivers as they are all here to make profits.

Sr22 insurance rate:

If you are the types where you require to have sr22 form by your state in addition to your car insurance, find a good insurance company that will help you to get back on your feet by providing you affordable, low cost sr22 insurance rates. The best way to find the best deal is by searching online as many times you may not be able to find the lowest rates with the local company. If you are having problems obtaining insurance it is best to get in touch with your states insurance commissioner. To get better insurance rates it is best to switch carriers because this will help you to retain your insurance which is very hard to obtain if you let your policy lapse. You can ask your insurance companies what you need to do to get lower prices. Sometimes these rates can be lowered by adding some safety feature to your vehicle or by taking some defensive driving course.

To conclude it is in the interest of the customer to obtain best sr22 insurance cost if they insure their homes and cars with one company. As most companies offer big discounts up to 15%-20% per year. Overall this could result in larger savings annually.