{"id":878,"date":"2022-09-08T15:48:34","date_gmt":"2022-09-08T15:48:34","guid":{"rendered":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/?p=878"},"modified":"2022-09-08T15:48:36","modified_gmt":"2022-09-08T15:48:36","slug":"will-sr-22-ruin-your-insurance-premium","status":"publish","type":"post","link":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/insurance-facts\/will-sr-22-ruin-your-insurance-premium\/","title":{"rendered":"How to Keep the SR-22 from Ruining Your Insurance Premium\u00a0"},"content":{"rendered":"
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Drivers who are required to file an SR-22 for the first time always ask themselves the same question: How will my SR-22 affect my car insurance premium? When you\u2019re in the middle of paying fines and court fees, the last thing you need is another big expense.<\/span>\u00a0<\/span><\/p>\n

The good news is that while your insurance premiums will go up during your <\/span>SR-22<\/span><\/a> filing period, there are ways to keep your premiums from draining your bank account. Here are 3 tips to keep the SR-22 from ruining your insurance premium.<\/span>\u00a0<\/span><\/p>\n

1. File Your<\/span><\/b> SR-22 On Time<\/span><\/b>\u00a0<\/span><\/h2>\n

Most states require you to <\/span>file an SR-22<\/span><\/a> for three years, though the range can vary from one to five years. Once you\u2019ve been ordered to file an SR-22, the fastest way to complete your filing requirement is to make sure that you have SR-22 insurance for the entire filing period with no gaps in coverage.<\/span>\u00a0<\/span><\/p>\n

If your SR-22 insurance lapses, even for just a day, your insurance company is required to notify your state DMV. Not only can you face additional fines and penalties, but the clock will reset on your filing requirement. That means more time paying higher auto insurance premiums.<\/span>\u00a0<\/span><\/p>\n

When you\u2019re sure that you\u2019ve completed your SR-22 filing requirements, you can <\/span>remove your SR-22<\/span><\/a> and go back to paying less for car insurance.<\/span>\u00a0<\/span><\/p>\n

2. Get<\/span><\/b> Non-Owners SR-22 Car Insurance<\/span><\/b>\u00a0<\/span><\/h2>\n

If you can live without a car, then one way to save a lot of money on premiums is to get <\/span>non-owner SR-22 insurance<\/span><\/a>. This type of insurance is typically for drivers who don\u2019t own a car but need to file an SR-22. Non-owners SR-22 insurance provides limited coverage \u2014 you\u2019ll only be allowed to drive other people\u2019s cars. But if you can get by with that restriction, combined with taking public transport and car services, then you\u2019ll pay a lot less for SR-22 insurance.<\/span>\u00a0<\/span><\/p>\n

If you do want to drive your car, you\u2019ll need to switch your coverage to owners SR-22 insurance. Otherwise, it\u2019ll be as if you\u2019re driving with no auto insurance at all.<\/span><\/span>\u00a0<\/span><\/p>\n <\/div>\r\n <\/div>\r\n <\/div>\r\n<\/div>\n\n

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