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Thursday, 5 July 2012

Cheap SR22 Auto Insurance

How does one find cheap SR22 auto insurance quotes? What can one do to find cheap SR 22 car insurance rates? These are important issues for anyone that has had to become familiar with their state's SR22 auto insurance requirements. Read on to learn some of the SR22 essentials and then see if you can put them to good use saving you some money!

Filing an SR22 form is part of the process to have your driver's license reinstated after a suspension. An SR22 is a form issued by an insurance company confirming that you have the minimum level of car insurance coverage ordered by law in your state in force. If your insurance policy were to lapse due to non-payment or canceled by the company, the Department of Motor Vehicles (DMV) for your state would need to be notified. Your license will revert back to being suspended.

Reasons Why A Driver's License May Be Suspended

There are several reasons why a person's driver's license may be suspended, including:
  • DWI/DUI Conviction
  • Unpaid Fines
  • Causing an Accident While Uninsured
Once you arrange for car insurance following the suspension, ask the insurance company to issue an SR22. You have the option of taking it to your local DMV office personally.

The first place you should look for an SR22 form is from your existing insurance company. It's possible that the company may refuse to insure you after your license has been suspended, or it may continue to offer coverage, but at a higher cost.

If you are unable to stay with the same insurer, then it's time to start looking for coverage elsewhere. There are some companies that specialize in providing coverage or higher-risk drivers (which you are if you need an SR22), or you can approach any insurance company you like to try to arrange coverage. The worst-case scenario is that you will get turned down.

Buying SR22 Insurance

The procedure for getting SR22 insurance is the same as getting a regular auto insurance policy. To get the best rate, it pays to shop around. The Internet provides you a lot of information about the companies that offer this type of coverage. Use your favorite search engine to get a list of companies that service your area and to some quotes.

SR22 coverage may be extended for higher-risk individuals, but it is still auto insurance. You still need to make sure that you have the right level of coverage to adequately protect your assets. Examine the policy provisions carefully to make sure you understand what your policy covers and what the exclusions are.

Finding The Cheapest SR 22 Car Insurance Rates

Even with SR22 issues it is still possible to find a cheap auto insurance policy but one must put in the time and effort. Finding cheap SR22 insurance may not be a realistic goal if you aren't willing to do some research and shop around, since many insurers will charge more for coverage following a driver's license suspension. That doesn't mean that you shouldn't try to find the best deal possible, though. Shop around to find a company willing to give you the best rate on the right level of coverage for you. Visit www.cheapoautoinsurance.com to get started finding cheap car insurance today!

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