{"id":1019,"date":"2023-05-15T09:29:00","date_gmt":"2023-05-15T09:29:00","guid":{"rendered":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/?p=1019"},"modified":"2023-07-18T13:42:57","modified_gmt":"2023-07-18T13:42:57","slug":"best-insurance-discounts-after-sr22","status":"publish","type":"post","link":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/sr-22-rate-savings-tips\/best-insurance-discounts-after-sr22\/","title":{"rendered":"7 Most Important Insurance Discounts When You Have an SR-22"},"content":{"rendered":"
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When drivers are forced to file an SR-22, it can affect their lives in many ways. But the most obvious effect is that it increases the cost of your auto insurance by a large amount. Even worse, you\u2019re stuck paying that amount for at least three years until you no longer have to file the SR-22.<\/span>\u00a0<\/span><\/p>\n

To save money, many drivers shop around until they find <\/span>SR-22 insurance<\/span><\/a> that is more affordable. However, it\u2019s possible to experience even bigger savings with the right discounts from your carrier.\u00a0<\/span>\u00a0<\/span><\/p>\n

1. Anti-Theft Device Discounts<\/span><\/b>\u00a0<\/span><\/h2>\n

In its own way, an anti-theft device discount is one of the easiest ways to save on your premium, both before and after you have an SR-22 on file with the state. That\u2019s because getting the discount is as easy as installing a device in your car and then contacting your carrier.<\/span>\u00a0<\/span><\/p>\n

In some cases, newer automobiles may come equipped with anti-theft features or <\/span>car safety features<\/span><\/a> that can still help you get a discount, all without paying anything extra. Even if you must buy a separate device, though, it will soon pay for itself when you start saving each month, and your vehicle will be safer than ever before.<\/span>\u00a0<\/span><\/p>\n

2. Multi-Policy Discounts<\/span><\/b>\u00a0<\/span><\/h2>\n

Do you have multiple types of insurance through the same carrier, or are you willing to switch to a new carrier for all of your coverage needs? In that case, you may qualify for a multi-policy discount, which is more commonly referred to as a <\/span>bundling discount<\/span><\/a>.<\/span>\u00a0<\/span><\/p>\n

Think of it this way: Every carrier wants you to use them for as many of your insurance needs as possible, and they\u2019re willing to offer special discounts as an incentive for you to take out multiple policies through them. If you already need something like homeowners coverage on top of your automobile coverage, you can bundle them together and save big each month, which is helpful if getting a DUI has dramatically <\/span>increased your premium<\/span><\/a>.<\/span>\u00a0<\/span><\/p>\n

3. Professional Discounts<\/span><\/b>\u00a0<\/span><\/h2>\n

One of the more annoying things about getting an SR-22 is that, even if you were a nearly flawless driver before, you may no longer be able to get good driver discounts. But depending on your line of work, you may get a solid discount simply by making a phone call to your carrier.<\/span>\u00a0<\/span><\/p>\n

Depending on your carrier, you may get discounts for working in fields such as education, law enforcement and fire. By contacting your carrier to discover qualifying professions and then providing proof you are in the said profession, you can start getting a professional discount that will last longer than your SR-22, which is a great way to save money.<\/span>\u00a0<\/span><\/p>\n

4. Low Mileage Discounts<\/span><\/b>\u00a0<\/span><\/h2>\n

Did you know that where you live, down to the zip code, partially determines how much you pay on your car insurance premium? The reason is simple: Your carrier knows how many claims get filed in that area each month. The more you drive in that area, the likelier you are to have to file a claim, so your insurance goes up.<\/span>\u00a0<\/span><\/p>\n

You could always save on your premium by moving to a safer area, but what more drivers (both those with an SR-22 and those without one) are doing is requesting a low mileage discount when they stop driving as much as they once did. Whether you recently got a work-from-home job or you\u2019re relying more on things like public transit, simply driving on the road less than you did before can help you start saving.<\/span>\u00a0<\/span><\/p>\n

Fair warning, though: to \u201cprove\u201d you\u2019re driving less than you were before, you may have to consent to the carrier installing a device in your car to help measure your mileage.<\/span>\u00a0<\/span><\/p>\n <\/div>\r\n <\/div>\r\n <\/div>\r\n<\/div>\n\n

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