SR22 Insurance can be very costly, even for first offenders. If you’ve had trouble purchasing SR22 auto insurance policy from other auto insurance providers, give us a try. We have partnered with the biggest SR22 car insurance providers in all 50 states and have worked out a special online discount for our visitors.
Not all insurance companies offer cheap policies to high risk drivers, but our business is built on matching our customers with the most trusted companies who can provide the affordable coverage they need — even if they have less than perfect driving records, policy lapses, or no prior coverage. The SR22-InsuranceQuotes.net says “Yes” when others say “No”.
SR22 Insurance Quotes
If you have had a good driving record over the past three years, you’re already on the right track. If your record is poor, don’t give up. You can always straighten out your record in the future—and use this site to compare SR22 insurance quotes and save you money during the waiting period.
A clean record today keeps the high rates away, is truer now than ever. Since the advent of the computer age, all moving violations and reported accidents show up on your Department of Motor Vehicles (D.M.V.) Report even if they occurred out of state, while driving a borrowed or rented car, or while driving a company vehicle on the job.
The insurance companies hold these transgressions against our records for anywhere from three to five years, depending upon state law and individual company policy. Two or more transgressions or a combination of two or more moving violations and reported at-fault accidents may not only substantially raise your rates, but will also force you to stay with the same company, paying its high premiums for SR22 insurance, in the hope of not getting canceled and thrown into the assigned risk pool, where it could be even worse.
- For example, suppose you’re a New York State driver who received a speeding ticket during a winter vacation in Florida and that you then slid on the ice on the way home, causing $1,000 damage to your car, which you reported to your insurance company.
After paying the claim, less a $100 deductible, your insurance company suddenly raises your rates by 50 percent—from $360 to $540 (10 percent for the speeding ticket and another 40 percent for the accident). After getting over the initial shock, you make a few phone calls to compare SR22 insurance quotes and discover that there are several more liberal companies that wouldn’t have raised your rates for either the speeding ticket or the accident since the damage was caused only to your car rather than to someone else’s property.
Auto Insurance With a DUI or DWI
However, because of a statewide underwriting rule that prevents companies from accepting risks with two or more incidents within a three-year period, these other companies must refuse to write you a policy. Upon further investigation, you discover that if you left your present company now, you would wind up in the assigned risk pool, where your rate would be $600—$60 more than what you’re paying now.
In effect, you would be stuck with the same company for the next three years while paying them an extra $540 in premiums ($540.00 — $360.00 = $180 X 3 years = $540). This is the kind of havoc that moving violations and accidents can cause to your overall premium by preventing you from shopping around for sr22 auto insurance while forcing you to pay exorbitant rates to the very company that’s punishing you.
Since your driving record is so critical to your pursuit of lower SR 22 car insurance premiums, if you’re not sure about your driving history over the past three years, you should order a copy of your driving record either from your State Department of Motor Vehicles or from the State Police. The small fee that they charge is well worth paying because the information can be used later to save you money as well as needless grief.