{"id":92,"date":"2021-03-15T21:06:11","date_gmt":"2021-03-15T21:06:11","guid":{"rendered":"https:\/\/www.sr22adviser.com\/guides-and-tips\/?p=92"},"modified":"2021-06-22T17:02:19","modified_gmt":"2021-06-22T17:02:19","slug":"who-offers-affordable-sr-22-insurance","status":"publish","type":"post","link":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/sr-22-rate-savings-tips\/who-offers-affordable-sr-22-insurance\/","title":{"rendered":"Who Offers Affordable SR-22 Insurance?"},"content":{"rendered":"
\r\n
\r\n
\r\n
\r\n

After being convicted for a DUI or other serious traffic offense, your finances can become strained \u2014 that\u2019s why it\u2019s important to know how to hunt for cheap SR-22 insurance<\/a><\/strong>. Finding affordable insurance with an SR-22 will help you put savings toward daily expenses. If you\u2019re wondering who has the cheapest SR-22 insurance, this article will walk you through how to search for affordable insurance and more information on what an SR-22 is.<\/p>\n <\/div>\r\n <\/div>\r\n <\/div>\r\n<\/div>\n\n

\r\n
\r\n

How Expensive Is SR-22<\/strong> Insurance Compared With Regular Insurance?<\/h2>\r\n
\r\n
\r\n

You can expect to pay around twice as much for SR-22 insurance as regular insurance. Note that this higher fee is only providing minimal coverage. The reason for this is that an SR-22 is mandated for the highest-risk drivers \u2014 and in the world of insurance, where there\u2019s high risk, there are higher prices.<\/p>\n

You\u2019ll find that SR-22 insurance can be significantly higher than regular insurance in some states, while in others, it may only be several hundred dollars more. This will change depending on where you live and what type of offenses are on your record.<\/p>\n <\/div>\r\n <\/div>\r\n <\/div>\r\n<\/div>\n\n

\r\n
\r\n

The Factors Affecting Your SR-22<\/strong> Insurance Rate<\/h2>\r\n
\r\n
\r\n

SR-22 insurance<\/strong>\u00a0will vary by your perceived riskiness as a policyholder \u2014 and nothing affects that riskiness quite like the presence of a serious traffic offense on your record. Luckily, an SR-22 can help you get back on your feet by giving you the state\u2019s required minimum coverage. This means you can start driving again and, provided you can avoid more violations, work toward having full driving privileges once again.<\/p>\n

Here are some of the offenses that might affect your SR-22 insurance rate:<\/p>\n

1. Driving Under The Influence (DUI)\/Driving While Intoxicated (DWI)<\/strong><\/h3>\n

A DUI or DWI charge can be a particularly traumatic event to go through \u2014 it can affect your personal relationships, strain your finances, and even put your job in jeopardy. Part of the reason is that it means you will not be allowed to go to work for some time due to both jail time and a mandatory driver\u2019s license suspension period that can last up to a year in certain states.<\/p>\n

The good news is that an SR-22 is there to help you regain some bit of normalcy. With SR-22 insurance, you will be able to get back on the road and improve your driving record. You may also be able to apply for restricted driving privileges to take care of essential tasks during your license suspension period.<\/p>\n

2. Reckless Driving<\/strong><\/h3>\n

Another category of serious offenses is reckless driving and negligent driving. This could include disregarding stop signs or traffic lights, excessive speeding, or aggressive lane changing and weaving through traffic.<\/p>\n

If you get this charge, the court will likely order an SR-22 when you want to return to the road. By holding steady car insurance and avoiding further moving violations, you demonstrate better driving behavior to the state.<\/p>\n

3. Driving Without Insurance<\/strong><\/h3>\n

It is required by federal law that all drivers be insured on the road. The reason for this is that not having insurance<\/strong>\u00a0represents an enormous gamble \u2014 driving a car could at any moment result in extremely expensive damages, which makes driving without insurance a serious offense.<\/p>\n

This offense is much more severe if you get into an accident without insurance. This can result in tens of thousands of dollars of damage and medical bills that go unpaid because the guilty party cannot afford them. This leads to a tremendous disruption to both parties\u2019 lives and financial well-being, which is why courts often impose strict fines and jail time.<\/p>\n

If you get caught without insurance, you may lose your license. This typically only happens for repeat offenses of driving without insurance, and you\u2019ll need an SR-22 to get back on the road.<\/p>\n

4. A Hardship License<\/strong><\/h3>\n

A hardship license is granted when the defendant needs to get to certain places. This could include driving to school, commuting to work, dropping children off at school, or going to get groceries. It mandates that you only travel to and from a particular set of locations such as your home, job, school, etc.<\/p>\n

Though this type of license lets you get back on the road sooner, you\u2019ll still need to go through a period of absolutely no driving known as a \u201chard suspension.\u201d Such periods often last around one month. During this time, you will have to arrange for rides or use public transportation. At the end of this period, you can apply for this license.<\/p>\n

The state will require you to have an SR-22 form on file to drive with a hardship license, which shows them you are properly insured.<\/p>\n

5. License Revocation or Suspension<\/strong><\/h3>\n

Following a suspended or revoked license, you\u2019ll likely want to get back on the road as quickly as the process allows. Doing so will require your insurance company to file an SR-22 form with the state. You should receive instructions from the DMV outlining steps you can take to move toward regaining your license. Among these steps are likely to be a defensive driving course and the successful completion of a test. After this, you can shop for SR-22 insurance.<\/p>\n

You may also need to attend alcohol classes if your suspension or revocation was due to alcohol-related charges. The state could also impose other requirements and order you to pay a number of fines and paperwork fees, which tend to be higher for alcohol-related charges.<\/p>\n

You should be up front about your charges and the steps you\u2019re taking to get back into good standing. Your insurer needs all the information around your case to give you the best rates.<\/p>\n <\/div>\r\n <\/div>\r\n <\/div>\r\n<\/div>\n\n

\r\n
\r\n \"Shopping\r\n

Find Cheap SR-22 Auto Insurance Quotes<\/h2>\r\n
\r\n
\r\n \r\n <\/div>\r\n
\r\n