Car Insurance Quotes With SR-22

The SR-22 is a financial responsibility certificate that you’re required to file with the state when you’re convicted of committing serious traffic offense or offenses. When you violate certain traffic rules or commit serious traffic crimes, you’ll be declared a “high-risk” driver and in that way, you’ll be required to obtain an SR-22 certificate, which is a way of proving that you have current auto insurance coverage.

This is important because high-risk drivers might be more likely to commit other traffic violations in the future. Call it SR-22 insurance or an SR-22 bond as it’s sometimes called. But, it’s simply a form that your car insurance provider will file with the state on your behalf, which proves that you have met the state insurance requirements.

You can avoid the hustle of having to bother with an SR-22 by simply driving safely and making sure that you carry sufficient insurance. In most cases, you’ll have this requirement if you commit serious traffic violations. Specifically, violations that can trigger an SR-22 include the following:

 If you’re convicted for driving under the influence (DUI) or convicted for driving while intoxicated (DW);

 If you commit a traffic offense that leads to revocation or suspension of your driving license;
 If your driving record has a certain amount of tickets or violation points within a certain period of time;

 If you’re convicted for a traffic offense or being at-fault during an accident while you’re not carrying enough insurance.

How to get an SR-22

In the event that you’re convicted of a traffic offense that requires you to file an SR-22, then the court or the relevant state office will notify you of your responsibility to file for an SR-22 certification.
When your driving privileges have been suspended or revoked because of your violation, part of the process of having it reinstated involves filing an SR-22.

To start the filling process, contact your car insurance company. First, discuss your specific details and then ask your insurer for car insurance quotes with SR-22. In case you don’t have car insurance, then the first thing you’ll have to do is to purchase at least the minimum state requirement coverage. In the same way, if you don’t have enough insurance to meet state minimums, then you’ll be required to purchase enough amount of coverage before filing an SR-22.

You should also decide what type of SR-22 certificate that is best for your needs. The car insurance quotes with SR-22 from your insurer will depend on the type of SR-22 certificate that you chose. After purchasing sufficient insurance, your car insurer will then file your SR-22 with the state. The following are the three types of SR-22 certificates that you can choose from:

 Owner’s certificate

A type of SR22 that will cover you while driving only your own car.

 Operator’s certificate

This certificate will cover you when you don’t own a car but you want to drive. It’s the cheapest option because your insurer believes that you won’t be driving as often as someone with his or her own car.

 Owner-operator certificate

This type of SR-22 covers you when driving any vehicle whether yours or otherwise.

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