If you're considered a high-risk motorist, it may be legally required to get SR22 insurance. It simply shows that you're carrying your state's legally required amount of insurance. Getting it won't be a difficult process thanks to this advice.
Select the Right Policy
There are several different types of SR22 policies you can get today. It's important to know which one is right for your needs so that you have no issues to deal with in the future. For instance, if you typically rent the cars you drive, you'll need a non-owner policy. Conversely, if you plan on driving your own vehicle, an operator SR22 policy is ideal. Then there is an SR22 policy that provides a mixture of both forms of protection.
Assess your own personal situation so that you know exactly what type of SR22 policy to get. If you need help determining your policy, click here for info.
Be Selective When Choosing an Insurance Provider
The experiences you have getting SR22 insurance and keeping it are dependent on which insurance provider you go with. It's important to be aware that not every provider will be ideal to work with. To avoid any issues, take time to analyze the available SR22 providers. Gather some quotes and go through client testimonials to see how others feel about the providers they're currently working with. This due diligence will ultimately help you find a compatible provider that you enjoy working with for years to come.
See How Long It's Needed
You should understand that SR22 insurance will not be required to have forever. There is a period of time you do need it, which tends to vary from state to state. What you need to do is research your state's local laws regarding SR22 insurance. You should be able to see exactly how many years you need this special certificate showing you're abiding by your state's insurance requirements. Once you figure out this range, you can get a policy and keep it for the correct duration. You then won't have to worry about getting in trouble with the law.
Some people are required to get SR22 insurance, whether it's because they were caught speeding too many times or got pulled over for drinking. If you're in this similar position, then take your time when getting this specialized policy. With a lot of planning, you can do everything by the book and avoid headaches.