SR22 Insurance Quotes
A SR22 form is a filing required by the court, which proves that you have the minimum insurance required by the state you live in. Getting such a conviction is not the end of the world, so once the court has ruled that you need SR22 insurance it's high time you start looking for the best quotes.
How to get SR22 insurance
If you have shopped around for the best car insurance quotes then you know how the process works. Most car insurance companies also offer SR22, so you can try an insurance comparison website. Alternatively, you can contact an independent agent in your area who specializes in high risk auto insurance.
Companies that assist you with filing the SR22 form will help you with the procedures that vary from one state to another, in exchange for a modest fee. Filing a SR22 can be a tricky and confusing process, so a licensed insurance agent with good knowledge of the nation-wide procedures can save you lots of time and hassle. It often pays up to hire such a company than going through the whole funnel all by yourself.
On average, prices range between $300 and $800 a year and depend on a variety of factors, like
- Geographical location – we all know prices are higher in large metropolitan areas and everything is cheaper in rural zones.
- Your age – insurance companies tend to charge the lowest rates if you are in your forties. You will definitely pay a lot more if you are below 25 or over 60.
- Type of vehicle – it goes without saying that it will cost you more to insure a Porsche with a lot of horsepower under the hood than your grandma's Oldsmobile.
- Marital status – insurance companies consider married people to be more responsible drivers, so if you are single you will be charged more.
Information you will have to provide
Once you have picked a company to get your SR22 insurance from, here is what you will be asked, other than the usual information like personal details, marital status and driving experience:
- Do you have an active insurance policy now? If your current insurer accepts high risk drivers, chances are you won't have to switch providers. Less paperwork means less time spent and less fees and commissions paid.
- How many miles do you drive on a daily basis (to work or school) and how many per year? This is needed to assess your current risk degree – drivers who commute on large distances are more prone to being involved in car accidents than others who use public transportation or only drive a few blocks away.
- What were your violations in the last 24 to 36 months? Was there an accident? Was there anyone injured? This information is needed for obvious reasons – you are a much riskier driver if you have driven while intoxicated and caused an accident with victims than merely have been caught driving with a suspended license.