If you are looking for SR22 insurance cover, it is because you have been advised by the Department of Motor Vehicles. This type of policy is meant to show that the driver is financially responsible and maintains his or her insurance coverage. Various insurers are providing SR22 Insurance without a Car. This means that you can drive your friend’s car. For instance, if you are charged driving while intoxicated (DWI) or under the influence (DUI), you need this type of policy. Other factors that could necessitate the need to get this policy include receiving many traffic tickets or driving without insurance.
Tips to get cheap SR22 insurance
Understand what SR22 means
You should note that SR22 is a system set up by the government to ensure the driver is maintaining car insurance. Usually, you buy the policy through an agent, and the relevant department files the documents. You are then informed whether you have been properly covered. First, you will get a notification from Department of Motor Vehicles that your driving license has been suspended. Thus, you need to get an SR22 form from the insurance company. It is your responsibility to submit this form to relevant state offices.
It is advisable to familiarize yourself with the SR22 rules. For instance, if you cancel the policy or it lapses, the insurer will inform the government of that. The majority of the people are required to have this particular type of policy for at least three years. Thus, canceling any time, the insurance company ought to notify the state. This is necessary to keep track of drivers who have proper coverage.
Buying SR22 Policy
This form of policy is meant for a probationary period. In fact, it is a means by the state to ensure you maintain your car insurance. Most states need them, and insurers are ready to accommodate your needs. Even if you move to another state, you are obliged to pay for it until probationary period is over. It does not matter whether your new state does not need them.
To buy SR22, you should get quotes from different insurance providers. Getting this form of policy is affordable if you carry out your homework. The insurance company will offer you SR22 form. You need to fill it and email it to Department of Motor Vehicles, which originally issued your suspension. After this, you will wait for your license.