Find cheap car insurance quotes for SR22
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Find cheap car insurance quotes for SR22
Enter zip to see insurers who file SR22s.
Your information is secure.
If you’re caught driving under the influence, uninsured or without a license, you could be asked to take out SR-22 insurance. But before you file an SR-22, you’ll need an active insurance policy with a provider. If you hold an insurance policy with The General, this provider may even be able to apply for an SR-22 on your behalf.
If you already carry an active insurance policy with The General, call your local insurance agent to get started with the SR-22 filing process.
Here’s the information and documentation you’ll provide The General with to file your SR-22:
Filing fees vary by state, but you’ll typically be asked to pay a one-time surcharge of $15 to $25 to file your SR-22. It’s also possible that your insurance premiums could increase, but this depends on a number of factors, including your state of residence, age, gender, driving record and insurance provider.
Follow up on the status of your SR-22 documents with both The General and your local DMV. It can take up to two weeks for an SR-22 to be processed.
To become a policyholder with The General, sign up for a commitment-free online quote.
To receive your free personalized quote from The General, you’ll provide:
If you need to carry SR-22 insurance, you’ll be notified by your state’s motor vehicles department or through a court ruling.
Not everyone needs to file an SR-22 document with their insurance policy. But you may be asked to provide one if:
Any of these offenses on your driving record could result in your state classifying you as a high-risk driver. Learn more about how SR-22 insurance coverage works in your state by contacting your local DMV.
Filing periods vary by state and offense, but most states require that your SR-22 accompany an active insurance policy for three to five years.
For your SR-22 insurance to remain valid, you must maintain your policy with The General. If your policy lapses, you lose your SR-22 and could face fines, the suspension of your license — and possibly jail time.
You’ll receive notice from your local DMV when you’re no longer required to carry SR-22 insurance.
You must then contact your local agent to let them know the SR-22 can be taken off of your policy. After The General confirms this information with your state’s motor vehicles department, the SR-22 is removed from your policy. You may see a reduction in your premiums as a result.
Even if you don’t own a vehicle, your state could require that you file an SR-22 as a non-owner.
A non-owner is someone with a valid driver’s license that occasionally borrows or rents vehicles but doesn’t own their own car. Non-owners are usually required to carry a non-owners insurance policy.
Not all providers offer non-owners insurance, but The General does.
Your premiums could rise after filing for an SR-22 because of your status as a high-risk driver. Your insurance rates are affected by a number of factors, including your age, gender, state of residence, driving record and provider.
If you’re worried about rising rates, contact your local agent with The General to discuss any changes to your policy that may occur after filing an SR-22.
It might. Some providers won’t cover high-risk drivers, but The General specializes in providing insurance products for “nonstandard” drivers.
The General can’t guarantee you insurance coverage, but you’re more likely to receive a policy with this company than you are from more traditional or big-name providers.
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California is one of the deadliest states in the US for car accidents. No joke.
My best option and what’s the best policy for my situation.
1)I need SR22 cause dui in 2016
2)I have no car
3)I drive moms,girlfriends,friends cars daily
What’s my best goal to meet needs of court,dmv, and state to drive other cars until I buy one
Hi David,
Thanks for getting in touch with finder.
I read your question and it can be summarized to this: you need an SR22 but you don’t have a car.
Because an SR-22 covers a driver and not the driver’s car, it’s possible that you’ll need SR-22 coverage even without a vehicle to insure. In this case, the insurer may issue a “nonowner” SR-22.
If you plan to drive at all, you’ll need the nonowner SR-22 to avoid fees and penalties that could include jail time, depending on your state. The costs of a nonowner SR-22 depend on your age, gender, ZIP code and the reason for this extra coverage.
For as long as you’re required by the state’s orders, you’ll need to keep your insurance policy active and a current SR-22 on file. As long as your policy is in good standing, your insurer will handle filing the SR-22 documents with your state. If you miss a payment or let your policy lapse, it’s your insurer’s responsibility to report that to your state. Often a driver who lets their policy lapse loses their SR-22 — and therefore the right to legally drive in their state.
Once your required time is up — typically three years, depending on your state — your state’s DMV will let you know. At that time, you can let your insurer know to remove the SR-22 from your policy. Once they’ve confirmed with the DMV that you no longer need this extra coverage, you should be back to a cheaper policy.
In case you need more information, please read our car insurance SR-22 guide.
I would highly recommend that you call and speak with an agent for guidance. They will most likely be able to take into consideration your unique situation and provide personalised advice.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua