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Sr-22 Forms |

What is SR-22 Insurance?

April 11th, 2008

sr22 insurance

SR-22 Insurance is the type of insurance required for drivers who have been convicted of a DUI offense. A DUI offense would mean that a person has been caught driving while under the influence of alcohol or simply put, has been convicted for a drunk-driving offense. Getting an SR-22 Insurance would immediately put you in the high-risk category. An SR-22 Insurance is typically more expensive than any regular auto insurance policy.

While it is true that you can never get a cheap rate for an SR-22 Insurance, the options really lie on shopping for the lowest-priced SR-22 Insurance. In theory, you can still compare the SR-22 Insurance premium rates offered by the different insurance companies before you actually purchase the one that would best suit your budget and needs.

There are many insurance companies who specialize in SR-22 Insurance policies. Because it is a sensitive issue among recently convicted drivers, some insurance companies have carved a niche in the market of SR-22 Insurance to be able to create well-designed policies and premiums that address the buyer’s concerns.

But a forewarning to would-be SR-22 Insurance buyers: be wary of companies who offer dirt cheap premiums because there might not be enough coverage for you. In the same manner, be speculative of persistent insurance companies who may well be taking advantage of your situation. Some insurance companies realize the seriousness of your predicament, and tend to make a play on your desperation in order to make a sale.

Some points to remember when buying SR-22 Insurance:

  • If the price is temptingly low, double check on the coverage and see if it matches your requirements, and if the coverage can actually help you at the time of need. An inexpensive premium does not necessarily mean the best choice.
  • Solicit for free quotes – whether via the internet or through phone calls in your local area. Gather as many as you can to give you an idea of what the current average SR-22 Insurance price is.
  • Set a preference for companies who specialize in handling high-risk types of insurance. Better yet, search for a company who specifically has an excellent track record on selling SR-22 Insurance.
  • Approach a qualified insurance broker and ask for help in shopping for SR-22 Insurance. The insurance broker can also answer your questions, and help clear prevailing issues and concerns on SR-22 Insurance policies.


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