Helpful Tips for Purchasing SR22 Insurance Online
Most people don’t know the consequences of a DUI or traffic violation until they experience one firsthand. In addition to court appearances, fines and potentially losing your driving privileges, the judge may order that you drive with a SR22 certificate.
According to the Department of Highway Safety and Motor Vehicles, the SR22 is a certificate issued by your car insurance provider that verifies you have coverage. There are several reasons why a judge may order you to obtain a SR22. These include:
- Getting into an at-fault car accident;
- Facing DUI charges;
- And driving without a valid driver’s license or insurance.
If a judge orders you to get a SR22, then you will most likely be unable to have your license reinstated without providing this certification.
How much does a SR22 cost?
The price of a SR22 won’t break your budget. $25 is the average cost, but the fee will vary in different states.
You should note, however, that the circumstances which require a SR22 can raise your auto insurance rates. For example, being involved in an at-fault car accident may result in higher premiums. Fortunately, some insurance providers offer reduced rates for drivers who must carry a SR22, and you can conveniently apply for your SR22 online.
How long will I need a SR22 certificate?
You will most likely have to provide proof of insurance via a SR22 certificate for three years. However, this time period varies from state to state.
In addition to providing this certificate, you must also pay your insurance premiums on time. If your policy is allowed to lapse, then the insurance company is required by law to notify the government. This would result in your driver’s license being suspended. You must maintain continuous insurance coverage to protect your privilege to drive.
It’s easy to get a SR22 online.
Everyone wants to obtain a SR22 as quickly as possible, but not every service on the Internet is reliable. Just like any other important purchase, you should compare your options before entering your credit card information.
You can browse various SR22 websites on the Web and compare prices. When you find a service with reasonable rates, call the company directly and speak with an insurance agent to confirm it is a legitimate business.
During this phone call, you will have to explain your situation in detail. You should also ask for tips and suggestions on how to keep your insurance rates as low as possible.
A good agent will be knowledgeable about SR22 certificates and will be able to advise you on any future steps you should take. In most cases, you can send any paperwork that the agent needs to process your SR22 by fax or email. Some online insurance companies claim that their clients’ driver’s licenses can be reinstated on the same day they apply.
Be cautious after receiving your court order for a SR22.
Just like a broken arm, a traffic violation will “heal” eventually. But you should be extra careful while driving to avoid any serious repercussions.
Eventually, you will no longer need to carry a SR22 certificate when you drive. However, to lower your insurance costs, it might help to take a Defensive Driving class or a Risk Reduction course. Ask your insurance agent about these options.