An SR-22 is typically required for those that have been cited for driving without insurance or for those that are considered an insurance risk, such as people that have been convicted of a DUI or other risky driving behavior. In many cases, getting an SR-22, which is a special proof of insurance requirement, is required before a revoked or suspended license can be reissued. Of course, needing such a form means that your insurance rates are likely going to be higher because as a driver you are considered high risk by the insurance company. The following are a few tips to help you manage your insurance costs when you have an SR-22 requirement.
Downgrade your car
If you drive a sports car, an expensive luxury car, or a car that is on the most stolen list, your insurance rates are likely higher than average. When you add in an SR-22 requirement, the cost can really skyrocket. This is especially true for sports cars or cars that have lots of aftermarket performance parts added, especially if your initial suspension was due to speeding or reckless driving. Downgrading to a utilitarian economy car or sedan can provide you with major cost savings on your insurance, as well as on your car payment.
Take a class
While a defensive driving class is a tried and true method for lowering insurance rates under normal circumstances, it can also help with your rates if you have an SR-22 requirement. Some insurance companies even provide or have recommended providers for driving classes specifically aimed at drivers with an SR-22 requirement on their file. For example, your insurance company may provide a discount on the SR-22 if you take a safe driving course if the reason for your SR-22 was reckless driving. Or, they may provide a discount if you are actively in treatment if your SR-22 was for a DUI. Shop around and ask the different insurance companies if they offer any such savings programs before deciding on a provider.
Keep your record clean
How long you must carry an SR-22 depends upon your state and your offense. For the duration of the requirement, it is vital that you maintain a perfectly clean record. You may want to limit your driving to necessities only. As a benefit, driving less miles can sometimes lower your insurance rate. Do not speed or drive under the influence for any reason. Over time, your safe driving record will lower your rates. You may not experience major savings until the SR-22 requirement expires, but you will eventually save.
For more help regarding an SR-22 filing, contact an insurance provider in your area.
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