SR22 insurance is something which most drivers want to avoid. It provides extra protection to innocent drivers and citizens from high risk drivers who have been involved in a number of problems which necessitates the need for this kind of special coverage. Since this coverage is designed for higher risk drivers it is more expensive than other traditional policies. But like most other car insurance policies savings can be obtained by checking multiple sources. Here are some suggestions to consider.
As indicated earlier SR22 insurance is a special kind of car insurance coverage required for higher risk drivers. It is used in states like Illinois for a number of important reasons including:
- DUI/DWI infractions
- Charged with multiple moving violations over a short period of time
- Driving without proper insurance coverage
- Driving with a suspended or revoked license
- Leaving the scene of an accident
- Other factors as detailed by the state in question
If you find yourself needing to get this kind of coverage there are a number of ways to do so. Many companies within the state involved can offer this insurance so it pays to check around. The Internet is a great way to obtain quotes from one or more insurance companies to compare rates. The companies are governed by the state in question but they do normally have some latitude in how they determine the rates.
There are a number of websites where you can apply for SR22 coverage and obtain the required insurance the same day. The forms can be filled out and transmitted online for fast and effective processes. And the ability to compare rates can hopefully make this additional coverage a little more affordable.
Since these sites also have phone numbers for customer service or agents, it is also a good idea to speak to a licensed representative to better understand your options and assess the financial impact. All these things can help you to find the best possible coverage at a reasonably affordable price. Whatever you do it isn’t going to be cheap but with a little diligence and care you might be able to save a few bucks on the best possible option for your needs and the legalities of your state.
Taking a little extra time and fully investigating your options will pay off in the long run since this type of coverage must normally remain in force for a full three years. So don’t take any shortcuts and do your homework.