There may be a time when for one reason or another, you need to obtain SR22 insurance Cicero. Here are some suggestions to help you to find the right kind of coverage as competitively as possible.
SR22 insurance is a special kind of coverage which may be required for drivers based on a number of circumstances including the following:
- Driving vehicle with no insurance coverage
- Becoming involved in numerous accidents or moving violations over a fairly short period of time
- Driving while intoxicated or driving while under the influence of alcohol
- Driving a vehicle with a suspended or revoked license
- Other circumstances
SR22 insurance is generally required for higher risk drivers and these policies are designed to help protect others from these types of drivers. If you are required to obtain this kind of coverage, it is often offered by many companies throughout the local area or state.
If you do an Internet search on the topic, you will find a number of companies who can offer this type of coverage. While you can contact an individual insurance company, you may wish to contact an agent who represents more than one company. This way you may be able to compare rates from different companies and hopefully save some money as well.
There are some great options which can enable you to shop for this kind of coverage and then bind coverage directly online. You can continue to manage your account and pay the premiums online if desired.
State law requires that any company who issues an SR22 insurance policy report this information. In general you are required to maintain continuous coverage for a period of three years. If you do not pay the premium and the policy lapses before the time period ends, the insurance company must report this lapse of coverage.
At that point you may be liable for severe penalties or even jail time for severe cases. It is therefore advisable that you make certain to obtain the right kind of SR22 coverage and keep it in force for the full time period required. The state takes this requirement very seriously and does all it can to protect its citizenry from higher risk drivers.
But if you obtain the necessary coverage and don’t have further problems with your driving and accident record, you should be able to convert your policy back to a conventional one after three years.