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How to Get Competitive Insurance Quotes With an SR-22 

What if one mistake kept costing you extra money every single month? 

That is the experience of most drivers who must file an SR-22. As soon as you have an SR-22 on file, it becomes more difficult for you to get car insurance. Even when you can find insurance, drivers with an SR-22 typically pay much more for their coverage. 

Fortunately, it doesn’t have to be that way. Interested in getting the most competitive insurance quotes even with an SR-22? Keep reading to discover what you should do next! 

Why Do I Need to Get Competitive Quotes For an SR-22? 

Once you get that SR-22, your insurance coverage rates will increase dramatically. Furthermore, there is a distinct chance that your existing carrier will no longer want to cover you because they see you as a high-risk driver behind the wheel. 

Our guide is going to walk you through how to get more competitive insurance quotes when you have an SR-22 on file. Getting quotes from a variety of carriers helps ensure you save as much money as possible while also making sure you find a carrier that will take care of you for as long as your SR-22 is on file. 

How Long Will I Need an SR-22 Insurance? 

Speaking of filing the SR-22, here is another important fact: In most cases, you must have the SR-22 on file for a minimum of three years. You may need to have it on file for five years or longer in many cases. 

Typically, nothing keeps you from switching your insurance carrier at any time. However, it can be rare to find an insurance carrier that both offers you SR-22 insurance and offers you coverage at a competitive rate. 

If you find a good quote and a good carrier now, you can keep them for as long as you file the SR-22 (and beyond, if you so choose). This can add up to some serious savings over the years due to the high cost of SR-22 insurance coverage. 

SR-22 Rate Increase by the Numbers 

We keep talking about how expensive insurance coverage can be once you file an SR-22. But what is your rate increase likely to look like? 

Here’s an example: Many drivers must file an SR-22 after being convicted of a DUI. Without an SR-22 on file, the average driver will pay $728 annually for minimum insurance coverage. But after getting a DUI and having to file an SR-22, the average driver pays $1,485. 

This is more than a 200% increase, and that average price is to simply get minimum insurance, which is liability only. If you are going to add collision (always recommended) coverage to your policy, you’ll pay even more. 

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Other SR-22 Benefits to Finding a New Carrier 

So far, we have focused on how getting quotes from different insurance carriers can help you save money once you have an SR-22 on file. While saving money is obviously important, there are other benefits to finding a good carrier. 

For example, most drivers who must file an SR-22 have their insurance companies handle all the paperwork and file everything with the state. Just imagine: This little bit of paperwork is going to have a profound effect on your life for the next three to five years, and quite possibly longer. 

When you find an insurance carrier you trust, you get more than great savings on your car insurance. You also get the peace of mind of knowing that they will professionally handle all of the SR-22 paperwork and never miss an important deadline. 

Get the Best SR-22 Quotes Today 

Now you know why it’s so important to get a variety of quotes for your SR-22 insurance. But do you know where you can find the most competitive quotes at the click of a button? 

Here at SR-22 Adviser, we’re here to help you save money on your monthly premium. To get started, come get competitive quotes online with our insurance partner today! 

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