A car insurance policy with an sr22 filing is considered a high risk car insurance policy. An sr22 is called by different names in different states such as an sr22 bond, sr22 form or sr22 certificate. But it is basically the same thing. Although it is sometimes called sr22 insurance, an sr22 is not a car insurance policy it is a document attached to your policy and filed with the state department of motor vehicles. It provides proof a driver has at least a current state minimum car insurance policy in force. Drivers who do not own a vehicle and need an sr22 filing, need to file what is called a non-owners insurance policy. Common reasons for needing an sr22 filing include, driving without car insurance violations, driving under the influence of alcohol or drug convictions, excessive points or an accident without car insurance. But the most common two reasons are driving without car insurance or a DUI conviction. SR-22.info agents offer affordable car insurance for all types of drivers and coverage needs and can file an sr22 if needed. If you need to file an sr22 and want an sr22 insurance quote or just want to find cheaper car insurance, fill out our short car insurance quote form and let our agents help you find cheap coverage. Coverage is provided in all 50 states.
California Department of Motor Vehicle website states drivers are required to maintain a minimum liability car insurance limit of 15000/30000/5000.
Failure to do so can result in your driver license being suspended and an sr22 filing being required.
Minimum liability car insurance requirements for private passenger vehicles in California is:
$15,000 for injury/death to one person.
$30,000 for injury/death to more than one person.
$5,000 for damage to property.
Financial responsibility is required on any vehicle operated or parked on California roadways and you must carry proof of financial responsibility (car insurance id card) in your vehicle at all times and must be provided as specified below:
* When requested by law enforcement.
* When renewing vehicle registration.
* When the vehicle is involved in a traffic collision.
The penalties and fines for driving without car insurance in California are severe. Drivers caught driving without car insurance can have their license suspended which result in higher car insurance premiums and needing the sr22 form filing.
More information about California car insurance and California sr22 filing information can be found on the California Department of Motor Vehicle Website.
Shopping for sr22 car insurance is the same as shopping for car insurance without an sr22 filing. To get the best rate on sr22 insurance, shop online and get sr22 insurance quotes from several different agents and companies to insure the best possible price and best coverage.
What is an sr22?
An sr22 is just a form attached to your car insurance policy. An sr22 itself is not an insurance policy. The sr22 does not affect the premium, but may require a small sr22 filing fee. Not all car insurance companies offer sr22 filings. Sr22 insurance is high risk auto insurance aka non-standard.
Drivers without a vehicle will need to purchase a non owners insurance policy with an sr22. A non owners sr22 insurance policy is typically a little more expensive than an owners policy.
Some companies that offer sr22 insurance, may only offer state minimum auto insurance coverage. A state minimum auto insurance policy is better than driving without car insurance, but additional coverage is recommended.
The cost of state minimum car insurance is relatively inexpensive, yet many drivers choose to drive without car insurance.
If you are caught driving without car insurance in a state that requires sr22 insurance for drivers caught driving without car insurance. You will be required to file an sr22.
Even worse than being caught without car insurance is being involved in an accident without car insurance.
Sr-22.info agents offer cheap sr22 car insurance, as well as cheap car insurance for drivers who do not need to file an sr22.
Our agents specialize in all types of drivers, including good drivers, drivers who do not have car insurance and bad driving records.
Whether you need a sr22 insurance quote or just cheaper car insurance!
Let our agents help you today!