The SR-22 process has some intricacies that an independent agent can help you navigate. The complexity and cost of SR-22 policies mean that you want to work with a subject matter expert. Not all agents have this expertise, especially captive agents.
While a captive agent can only work with their sole carrier, an independent agent can search the entire market on your behalf for a policy that meets your needs. An independent agent can also personalize your insurance process to match your specific needs, including DUI situations, legal challenges, and state requirements.
By searching multiple carriers, an independent agent can help you get the best price for your premiums. Working with one person over the long run can provide you with serious advantages later, especially after your financial responsibility reporting period has ended and you need to search for a new policy without this requirement.
Overall, working with an independent insurance agent can provide peace of mind, customized coverage, and valuable guidance and support throughout the SR-22 insurance process. Read on to learn more about how you can find the right agent for your auto insurance needs!
Subject Matter Expertise for SR-22
Unlike regular auto insurance customers, drivers who need their insurer to submit proof of financial responsibility to the state on their behalf tend to have significantly more risk.
DUIs, driving recklessly, and driving without proper insurance can all result in the state requiring you to submit proof of financial responsibility on a regular basis that indicates that you carry the minimum amount of liability coverage required.
Many insurers will not even work with drivers who have a need for an SR-22. For the insurers that do accept these drivers, they will usually require higher premiums to offset the risk they take for insuring the driver.
An independent agent specializing in serving high-risk drivers knows how to navigate the insurance market. A good agent can also help you to understand what to expect throughout the process, including the initial SR-22 submission and what happens after the SR-22 period ends.
Find Cheap SR-22 Auto Insurance Quotes
Access to Multiple High-Risk Carriers
Unlike captive agents, independent agents have access to a range of insurance carriers, allowing them to compare rates and coverage options to find the best fit for you.
Using captive agents who work for one insurer means that you will not have the benefits of price shopping. If you decide to comparison shop on your own, it will require more legwork.
An independent agent will also have more information about existing rates and a better understanding of how to get the best rate for you.
Independent agents work directly with you to understand your specific needs and offer tailored coverage solutions that fit your unique circumstances.
Potential DUI Insurance Cost Savings
Independent agents can often find discounts and special offers for you that you may not be able to access on your own, potentially saving you money on your insurance premiums.
This advantage means even more for drivers who need their insurer to provide proof of financial responsibility to state agencies. Given that an SR-22 usually indicates that you have higher risk for insurers, finding unique cost savings matters.
A Long-Term Relationship Can Provide Loyalty Benefits
This process can take a significant amount of time to complete. Depending on your state of residence, your local department of motor vehicles may require you to continue submitting an SR-22 form for up to 3 years.
By building a relationship, you can ensure that you continue to identify the largest cost savings available. Once your SR-22 period ends, your agent can also help you navigate the next steps in finding even more affordable insurance.
Get an Affordable SR-22 Insurance Policy Today
Working with an independent agent can help you to get the best possible rate on SR-22 auto insurance. To get started, visit our partner website for an online SR-22 quote. You will have the opportunity to maximize your savings!