1. It’s not really insurance
While many refer to “SR-22 insurance,” an SR-22 is actually just a certificate your car insurer files with your state to vouch for you. Basically, it verifies you have financial responsibility. You only need an SR-22 if a judge says you do—this can happen after certain violations, or after a succession of them.
If you’re required to carry an SR-22 and you already have insurance, you’ll just need to add it to your policy. If you’re not insured, you’ll need a non-owner auto policy aka SR-22.
2. It’s not (too) expensive
Having an SR-22 filing might cost you a little extra (again, temporarily):
- There’s a fee to file it, generally around $25. If you don’t have insurance, the fee can be included in your Casablanca Insurance quote.
- Your insurance rate might go up if you need the SR-22 because of a moving violation or accident.
- Certain states require you to pay in full when you have insurance that includes an SR-22 filing.
3. It’s not forever
In three years—give or take, depending on your state—you won’t need your SR-22. At that point, call your insurer and ask to have the filing removed from your policy.
Three years is also how long it takes, generally, to clear your driving record. So, any violations that triggered your needing an SR-22 have cleared from your record, too (Unless if it's a DUI, this violation stay in your record for 10 years).
No one wants to be in the position of looking for SR22 insurance quotes, but if you do find yourself in this situation, we can make sure the process is as smooth and painless as possible. We're also here to make sure you don't pay any more than you have to for this specialized type of auto insurance. If you're looking for good, cheap SR22 insurance, you have come to the right place. We're here to provide accurate information and price quotes so you can decide on the policy that's right for you.
In the meantime, keep your head up, know that lot of us have been there, and remember, with time, this will become “that one time when …” part of the past.