{"id":895,"date":"2022-11-09T16:58:54","date_gmt":"2022-11-09T16:58:54","guid":{"rendered":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/?p=895"},"modified":"2022-11-09T16:58:54","modified_gmt":"2022-11-09T16:58:54","slug":"questions-to-ask-when-shopping-for-sr-22-insurance","status":"publish","type":"post","link":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/sr-22-tips\/questions-to-ask-when-shopping-for-sr-22-insurance\/","title":{"rendered":"Questions to Ask When You\u2019re Shopping for SR-22 Insurance\u00a0"},"content":{"rendered":"<div class=\"c-section \" id=\"general-content-block_636bdbfa91e61\">\r\n    <div class=\"o-wrapper\">\r\n                <div class=\"c-section__content\">\r\n            <div class=\"s-cms-content s-cms-content--left\">\r\n                <p><span data-contrast=\"auto\">Shopping for <\/span><a href=\"https:\/\/www.sr22adviser.com\/\"><span data-contrast=\"none\">SR-22 insurance<\/span><\/a><span data-contrast=\"auto\"> can be a confusing and time-consuming process.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">The first step in the process is to contact your insurance company and ask if they offer SR-22 insurance. If they do, they will typically require you to fill out a form and provide some documentation. If they don\u2019t, you\u2019ll need to find a carrier who does. Once you have completed the paperwork, you will need to pay a fee and the insurance company will file the SR-22 with your state.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">In most cases, you will need to maintain the SR-22 for three to five years. If you cancel your policy or let it lapse, the <\/span><a href=\"https:\/\/www.sr22adviser.com\/guidance-and-tips\/sr-22-rate-savings-tips\/why-switching-carriers-is-the-best-way-to-save-on-sr-22-insurance-2\/\"><span data-contrast=\"none\">insurance company<\/span><\/a><span data-contrast=\"auto\"> will notify the state and your license may be suspended. Your time to carry the SR-22 will start over.\u00a0 That\u2019s why it is important to make sure that you keep up with your payments and maintain continuous coverage.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Shopping for SR-22 insurance can be a confusing and time-consuming process, but it is essential for keeping your driver&#8217;s license. Here are some of the important questions to ask during that process.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"none\">Do I<\/span><\/b> Need<b><span data-contrast=\"none\"> SR-22 Insurance?<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;335559738&quot;:200,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">If you have been convicted of a <\/span><a href=\"https:\/\/www.sr22adviser.com\/insurance\/getting-insurance-after-a-dui\/\"><span data-contrast=\"none\">DUI<\/span><\/a><span data-contrast=\"auto\">, DWI, or other serious traffic violation, you may be required to get SR-22 insurance. Some states do not require it, but in those that do, you will find out when your court case has been resolved.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"none\">What is the Process for<\/span><\/b> Filing<b><span data-contrast=\"none\"> an SR-22?<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;335559738&quot;:200,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">The <\/span><a href=\"https:\/\/www.sr22adviser.com\/sr-22\/what-is-an-sr-22-insurance\/\"><span data-contrast=\"none\">process for filing an SR-22<\/span><\/a><span data-contrast=\"auto\"> varies from state to state, but generally, you will need to contact your car insurance company and let them know that you need to file an SR-22. They will then file the paperwork on your behalf and send it to the state DMV. Once the DMV has received the SR-22, your license will be reinstated.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"none\">How Long<\/span><\/b> Does<b><span data-contrast=\"none\"> It Take for the Insurance Company to File the SR-22?<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;335559738&quot;:200,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Filing an SR-22 is a process that can take up to 10 business days.\u00a0<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Once the insurance company has processed your SR-22, it will be sent to the DMV. Because of the timeline of this process, it\u2019s important to plan ahead.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"none\">How<\/span><\/b> Much<b><span data-contrast=\"none\"> Does SR-22 Insurance Cost?<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;335559738&quot;:200,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">The <\/span><a href=\"https:\/\/www.sr22adviser.com\/guidance-and-tips\/sr-22-rate-savings-tips\/affordable-sr-22-insurance\/\"><span data-contrast=\"none\">cost of SR-22 insurance<\/span><\/a><span data-contrast=\"auto\"> varies depending on the insurer and the state in which you live. However, it is typically double and even triple the amount of regular liability insurance. This is because with your actions, the insurance company now sees you as a high-risk driver \u2013 and they\u2019ll charge you for taking a risk and insuring you.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n            <\/div>\r\n        <\/div>\r\n    <\/div>\r\n<\/div>\n\n<div class=\"c-section c-quote\" id=\"home-auto-quote-block_636bdc1191e62\">\r\n    <div class=\"o-wrapper\">\r\n        <img decoding=\"async\" class=\"c-quote__img\" src=\"https:\/\/www.sr22adviser.com\/guidance-and-tips\/wp-content\/themes\/sr22\/assets\/html\/images\/components\/quote\/pic1.svg\" alt=\"Someone shopping for a car, looking for quality and savings\" aria-hidden=\"true\" width=\"112\" height=\"99\">\r\n        <h2 class=\"c-section__title c-section__title--small c-quote__title\">Find Cheap SR-22 Auto Insurance Quotes<\/h2>\r\n                <form class=\"c-quote__form js-form\" action=\"https:\/\/www.sr22adviser.com\/quote\">\r\n            <div class=\"c-quote__item c-quote__item--zipcode\">\r\n                <input class=\"c-quote__input c-quote__input--center js-only-numbers js-valid-zipcode\" type=\"tel\"  name=\"zipcode\" placeholder=\"Zip Code\" aria-label=\"Zip Code\" maxlength=\"5\" required>\r\n            <\/div>\r\n            <div class=\"c-quote__controls\">\r\n                <button class=\"c-button c-button--purple c-quote__button\" type=\"submit\">Get a quote<\/button>\r\n            <\/div>\r\n            <div class=\"c-quote__powered\"> Powered by\r\n                <img decoding=\"async\" class=\"c-quote__logo\" src=\"https:\/\/www.sr22adviser.com\/guidance-and-tips\/wp-content\/themes\/sr22\/assets\/html\/images\/components\/quote\/freeway-logo.svg\" alt=\"Freeway Insurance Logo\" width=\"73\" height=\"18\">\r\n            <\/div>\r\n        <\/form>\r\n    <\/div>\r\n<\/div>\n\n<div class=\"c-section \" id=\"general-content-block_636bdc1a91e63\">\r\n    <div class=\"o-wrapper\">\r\n                <div class=\"c-section__content\">\r\n            <div class=\"s-cms-content s-cms-content--left\">\r\n                <h2><b><span data-contrast=\"none\">What if I<\/span><\/b> Miss<b><span data-contrast=\"none\"> a Payment?<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;335559738&quot;:200,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">If you miss a payment on your SR-22 insurance, your insurance company is legally required to notify the state and your license will most likely be suspended. In addition, you may be required to pay a reinstatement fee when you renew your license. If you are caught driving without SR-22 insurance, you may be subject to fines and other penalties.\u00a0<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">As a result, it is important to make sure that you keep up with your payments and maintain continuous coverage. If you have any questions about your SR-22 insurance, be sure to contact your insurance agent or the DMV.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"none\">Can I Cancel<\/span><\/b> My<b><span data-contrast=\"none\"> Policy at Any Time?<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;335559738&quot;:200,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Once you have an SR-22 policy, you are committed to maintaining it for a set period of time. The length of time will vary depending on your state, but the timespan is typically three to five years. If you cancel your policy before the end of this period, you will be required to obtain a new policy and restart the clock. This means that it is important to carefully consider whether you can afford to <\/span><a href=\"https:\/\/www.sr22adviser.com\/guidance-and-tips\/insurance-facts\/7-facts-about-sr-22-insurance-that-you-didnt-know\/\"><span data-contrast=\"none\">maintain your SR-22 policy<\/span><\/a><span data-contrast=\"auto\"> for the full duration before you commit to it.\u00a0<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">If you find that you can no longer afford your policy, there may be some options available to help you keep your coverage in place. For example, some insurers offer payment plans or discounts for drivers who maintain their coverage for the entire term. Ultimately, it\u2019s important to understand the requirements of your SR-22 policy and make sure that you can meet them before making any commitments.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"none\">Where<\/span><\/b> Can<b><span data-contrast=\"none\"> I Get It?<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;335559738&quot;:200,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">You can get it from most licensed insurers in your state. Be sure to shop around and <\/span><a href=\"https:\/\/www.sr22adviser.com\/rates\/sr-22-average-rates-by-state\/\"><span data-contrast=\"none\">compare rates<\/span><\/a><span data-contrast=\"auto\"> to get the best deal.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"none\">What<\/span><\/b> Happens<b><span data-contrast=\"none\"> if I Don\u2019t Get SR-22 Insurance?<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;335559738&quot;:200,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">If you&#8217;re <\/span><a href=\"https:\/\/www.sr22adviser.com\/guidance-and-tips\/insurance-facts\/what-happens-when-you-dont-get-sr-22-insurance\/\"><span data-contrast=\"none\">caught driving without SR-22 insurance<\/span><\/a><span data-contrast=\"auto\">, you may be subject to a number of penalties. In some states, you may have your driver&#8217;s license suspended or revoked. You may also be required to pay a fine, and your car insurance rates may increase. In addition, if you&#8217;re involved in an accident without SR-22 insurance, you may be held personally liable for any damages. As a result, it&#8217;s important to make sure that you have the proper coverage before getting behind the wheel. Otherwise, you could end up facing serious consequences.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"none\">SR-22<\/span><\/b> Insurance<b><span data-contrast=\"none\"> Shopping 101<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;335559738&quot;:200,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Shopping for SR-22 insurance can be a bit confusing. But by asking these types of questions, you can be sure that you&#8217;re getting the best possible coverage for your needs.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Here are the main steps you need to take when shopping for SR-22 insurance:<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n<ol>\n<li data-leveltext=\"%1.\" data-font=\"Calibri\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:0,&quot;335559684&quot;:-1,&quot;335559685&quot;:480,&quot;335559991&quot;:480,&quot;469769242&quot;:[65533,0],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%1.&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Find an insurance company that offers SR-22 insurance. Not all insurers offer this type of coverage, so it&#8217;s important to shop around.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:36,&quot;335559739&quot;:36}\">\u00a0<\/span><\/li>\n<\/ol>\n<ol>\n<li data-leveltext=\"%1.\" data-font=\"Calibri\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:0,&quot;335559684&quot;:-1,&quot;335559685&quot;:480,&quot;335559991&quot;:480,&quot;469769242&quot;:[65533,0],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%1.&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Once you&#8217;ve found an insurer that offers SR-22 insurance, provide them with your driver&#8217;s license number and proof of your former financial responsibility.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:36,&quot;335559739&quot;:36}\">\u00a0<\/span><\/li>\n<\/ol>\n<ol>\n<li data-leveltext=\"%1.\" data-font=\"Calibri\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:0,&quot;335559684&quot;:-1,&quot;335559685&quot;:480,&quot;335559991&quot;:480,&quot;469769242&quot;:[65533,0],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%1.&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Once your insurer has processed your information, they will file an SR-22 form with your state&#8217;s DMV. This form ensures that you are carrying the minimum amount of liability insurance required by your state.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:36,&quot;335559739&quot;:36}\">\u00a0<\/span><\/li>\n<\/ol>\n<p><span data-contrast=\"auto\">Remember, if you are caught driving without SR-22 insurance, you may face severe penalties. So it&#8217;s important to make sure you\u2019re always properly insured!<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"none\">Get the<\/span><\/b> Lowest<b><span data-contrast=\"none\"> SR-22 Rates Today<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;335559738&quot;:200,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">SR-22 Adviser can help you get back on the road sooner by offering solutions to finding cheaper insurance rates after an SR-22.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Visit our partner to get <\/span><a href=\"https:\/\/www.sr22adviser.com\/quote-form\"><span data-contrast=\"none\">competitive quotes<\/span><\/a><span data-contrast=\"auto\"> today.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:180,&quot;335559739&quot;:180}\">\u00a0<\/span><\/p>\n            <\/div>\r\n        <\/div>\r\n    <\/div>\r\n<\/div>\n\n<div class=\"c-section c-opinion-banner\">\r\n    <div class=\"o-wrapper\">\r\n        <div class=\"c-opinion-banner__question js-opinion-banner-question\">\r\n            <h2 class=\"c-section__title c-section__title--center c-opinion-banner__title\">Was this article helpful?<\/h2>\r\n            <div class=\"c-opinion-banner__content\">\r\n                <div class=\"c-opinion-banner__controls\">\r\n                    <button class=\"c-opinion-banner__control c-opinion-banner__control--ok js-opinion-banner-control-ok\" aria-label=\"Yes, this article is helpful\">\r\n                        <span class=\"o-icon c-opinion-banner__icon\"><svg focusable=\"false\" role=\"img\">\r\n                                <title>Yes, this article is helpful<\/title>\r\n                                <use xlink:href=\"https:\/\/www.sr22adviser.com\/guidance-and-tips\/wp-content\/themes\/sr22\/assets\/html\/images\/icons\/icons.svg#icon-thumbs-up\"><\/use>\r\n                            <\/svg><\/span>\r\n                    <\/button>\r\n                    <button class=\"c-opinion-banner__control c-opinion-banner__control--no-ok js-opinion-banner-control-no-ok\" aria-label=\"No, this article is wasn't helpful\">\r\n                        <span class=\"o-icon c-opinion-banner__icon\"><svg focusable=\"false\" role=\"img\">\r\n                                <title>No, this article is wasn&#8217;t helpful<\/title>\r\n                                <use xlink:href=\"https:\/\/www.sr22adviser.com\/guidance-and-tips\/wp-content\/themes\/sr22\/assets\/html\/images\/icons\/icons.svg#icon-thumbs-down\"><\/use>\r\n                            <\/svg><\/span>\r\n                    <\/button>\r\n                <\/div>\r\n            <\/div>\r\n        <\/div>\r\n        <div class=\"c-opinion-banner__ok js-opinion-banner-ok\">\r\n            <h2 class=\"c-section__title c-section__title--center c-opinion-banner__title\">Winner! Glad you enjoyed it.<\/h2>\r\n            <div class=\"c-opinion-banner__controls\">\r\n                <div class=\"c-opinion-banner__control c-opinion-banner__control--ok\">\r\n                    <span class=\"o-icon c-opinion-banner__icon\"><svg focusable=\"false\" role=\"img\">\r\n                            <title>Yes, this article is helpful<\/title>\r\n                            <use xlink:href=\"https:\/\/www.sr22adviser.com\/guidance-and-tips\/wp-content\/themes\/sr22\/assets\/html\/images\/icons\/icons.svg#icon-thumbs-up\"><\/use>\r\n                        <\/svg><\/span>\r\n                <\/div>\r\n            <\/div>\r\n        <\/div>\r\n        <div class=\"c-opinion-banner__no-ok js-opinion-banner-no-ok\">\r\n            <h2 class=\"c-section__title c-section__title--center c-opinion-banner__title\">Still have questions? Contact us for answers.<\/h2>\r\n            <div class=\"c-button__wrapper\">\r\n                <a class=\"c-button c-button--cyan\" href=\"tel:877-822-2049\">\r\n                    <span class=\"o-icon\"><svg aria-hidden=\"true\" focusable=\"false\" role=\"img\">\r\n                            <use xlink:href=\"https:\/\/www.sr22adviser.com\/guidance-and-tips\/wp-content\/themes\/sr22\/assets\/html\/images\/icons\/icons.svg#icon-phone\"><\/use>\r\n                        <\/svg><\/span>877-822-2049                <\/a>\r\n            <\/div>\r\n        <\/div>\r\n    <\/div>\r\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":896,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[4],"tags":[],"class_list":["post-895","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sr-22-tips"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/wp-json\/wp\/v2\/posts\/895","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/wp-json\/wp\/v2\/comments?post=895"}],"version-history":[{"count":1,"href":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/wp-json\/wp\/v2\/posts\/895\/revisions"}],"predecessor-version":[{"id":897,"href":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/wp-json\/wp\/v2\/posts\/895\/revisions\/897"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/wp-json\/wp\/v2\/media\/896"}],"wp:attachment":[{"href":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/wp-json\/wp\/v2\/media?parent=895"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/wp-json\/wp\/v2\/categories?post=895"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/wp-json\/wp\/v2\/tags?post=895"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}