There are three easy and simple steps that you can follow to help save you money if you’re shopping for SR22 insurance quotes. Following these steps will often times lead you to the cheapest way to get an SR22 insurance policy. Here are the three steps to follow in no particular order …
- Check with your current insurance company – Many insurance companies these days will add an SR22 filing on top of your current insurance policy for about a $ 20 filing fee plus the increase in insurance premium due to the violation (s) that created the need for an SR22 . Adding the SR22 filing to your current policy is usually the most affordable way to go. Call your company and ask for a quote to add an SR22.
- Get SR22 quotes from Insurance Agencies in your state – Insurance agencies or brokers are often times the cheapest way to go. Many of the insurance companies that specialize in SR22 insurance are usually the smaller ones that do not advertise and ones that you’ve probably never heard of. These companies use insurance agencies and brokers to distribute their product.
An insurance agency usually works with about a dozen companies and is able to immediately display the rates of all their carriers at once. Since an insurance agent has the ability to choose the lowest rates from multiple companies specializing in SR22 insurance, this avenue is probably going to be the one that saves you the most money. Many insurance agencies now offer instant online SR22 insurance quotes which can help save you time as well as money.
- Shop Around – Search the terms “SR22 insurance” and “SR22 insurance quotes” to find companies offering this type of coverage. You can also shop with any of the companies you have in mind and simply enter your driving history and that you need an SR22, if the company will not accept you, their website will likely let you know and you can always call them to double- check.
When requesting quotes, be sure that you enter all your violations including suspensions to get an accurate quote. Remember, a company may be the lowest if you have one violation but that same company may be the most expensive if you have two violation so be sure to enter correct information. If you choose a company and they tell you that your driving history turned out to be different from what you thought, shop around again with that information as everything has changed now.
Once you’ve completed these three steps you should have enough information to make an informative decision. Be sure to read the reviews of the company you’re considering to make sure they live up to your expectations.
Source by A Sefiani