The SR22 is actually a document or a form that is given by your insurer and presented to the state after being completely filled. When the court orders SR22 insurance, it means that you can have your driving license reinstated if it was suspended after the DUI charge. The main purpose of this unique policy is to make an agreement between the insurer and the state that the insured will keep on paying the policy coverage. If the insured delays payment even for a single day, the driver's license will be immediately suspended.
In order for your license to be reinstated, you might have to pay a number of fees before you are allowed to get a SR22 insurance. This will include any outstanding parking tickets, license reinstatement fees issued by the motor vehicles department and any other balances you could be having due to a lapse of previous auto insurance coverage. It is only then that you can start comparing SR22 insurance quotes in order to get a reasonable premium.
The duration in which you will be required to pay the high risk premiums may vary. However in most states, this will last for up to 3 years. In case the policy lapses within this period, you may be required by the state to start over the probation period. This is the reason why you need to select a policy which you can afford. You can only do this by comparing a number of SR22 insurance quotes online. There are many insurers who are willing to help you cut down on the high risk rates which you are supposed to pay during that time.
Notably, SR22 insurance is expensive because individuals who seek this kind of coverage are already considered to be a high risk. The premiums are higher than the usual auto insurance policies because the insured has committed a traffic violation of some sort. You therefore need to start asking for free SR22 insurance quotes offered by different companies. There are a good number of comparison websites where you can get a number of quotes from different insurance providers.
By comparing these SR22 insurance quotes, you can get affordable rates from an insurance company that is licensed to issue SR22. The process is usually very simple; you just need to fill in some information online and all the quotes will be presented to you so that you can select an affordable option.
