Auto Insurance Quotes With SR-22
An SR-22 is a document that is required by the court, which demonstrates your proof of financial responsibility if you’re convicted of certain traffic violations. Because an SR-22 details may vary from one jurisdiction to the other, it’s important that you discus about your specific circumstances with an insurance company or agent. Many states will require that you have an SR22 certification by a court order, to prove that you have current auto insurance coverage. The court will order you to obtain this document if you’re considered as a high-risk driver.
You’re probably here because you want to know auto insurance quotes with SR-22 to be aware of how much you’ll need to spend to acquire the document. Well, just read on and find out more!
Typically, filling an SR-22 involves two types of costs. First, there is the SR-22 filing fee and secondly, there is additional costs to your insurance to enable you have even the minimum amount of coverage that your state require.
To ensure that you pay the least possible amount of money, it’s advisable that you compare auto insurance quotes with SR-22 from various insurance companies. In that way, you’ll be able to save a lot of dollars.
• Filing fee
For you to get an SR-22 form, all states require that you pay a filing fee. Depending on your state, expect to pay at least $15 or at most $25 because the fee varies from state to state. Your insurance company will have to file the form with your state and then charge you the fee, which will be part of your insurance bill. The filing fee is paid only ones and after paying for the initial SR-22 filing, the state will not require you to pay any extra fee when the SR-22 is renewed yearly.
• Increased insurance cost
Because your insurance company will be considering you as a “high-risk” driver, they’ll want you to incur the increased insurance cost. In fact, the real cost of SR-22 is not the filing fee but the increase in the cost of the insurance. Your car insurance will obviously cost much more for an insurance package as compared to what a safe driver will pay for the same. In short, auto insurance quotes with SR-22 will be significantly higher as compared to auto insurance quotes for safe drivers. To make the situation even worse, some insurance companies will require that you pay for the policy in full amount up-front in order to avoid the risk of non-payment.
Types of SR-22 certificates
You’ll have to choose one of the following SR-certificate. Remember that auto insurance quotes with SR-22 will depend on the type of SR-22 certificate that you go for.
a. Operator’s certificate
If you choose this option, it will cover you whenever you want to drive another car but not your own. So, if you don’t own a car, then this would be the best option for you.
b. Owner’s certificate
If you chose this type of SR-22, it will cover you when driving your own car.
c. Owner-operator certificate
This type of SR-22 is the most expensive because it’s also the most comprehensive of all the three types of certificates. It will cover you when you’re driving any vehicle be it yours or otherwise.
You may want to check out my other guide on Auto Insurance in Tucson AZ and Auto Insurance Companies In Tampa Florida