If you are like me and you have had a DUI or a DWI then you know how expensive it can be. After you paid for all the alcohol classes and your lawyers fees and court cost along with paying for the alcohol evaluations and then if you get your licence back. Do you think your done and you can just get on with your life? The answer to that is NO, because you now have to buy SR22 Auto Insurance alone with buying regular insurance.
Do you know what SR22 Auto Insurance is?
Basically SR22 Auto Insurance is a proof certificate that is filed by an insurance company with the Department of Motor Vehicles upon insured request. SR22 filings are usually filed for up to three consecutive years.
The purpose of SR22 Auto Insurance is for the goverment to be able to monitor and ensure that a driver maintains auto insurance coverage for a period of up to three years. If a driver is required to have SR22 Auto Insurance, he or she must have their insurance company file the SR22 Auto Insurance with the Department of Motor Vehicles as evidence that the driver has an active insurance policy in force. If the insured does not pay the premiums required to keep their auto insurance policy active, the insurance company will cancel the insurance policy and in turn, will cancel the SR22 filing with the DMV by filing an SR26.
SR22 Auto Insurance and the economy
With the currant economy do you really need the added expense? Most likely you don't, but what can you do? What you can do is shop around and try and find the best price. When I first bought my SR22 Auto Insurance I got my regular insurance company and then I had my SR22 company. I could afford it but the money I was spending was nuts. So what could I do,well I decided to get on the computer and just look around and get quotes. I learned that if I combined as much insurance as I could on the same policy I could save hundreds well closer to a thousand dollars a year. So don't you think you should check with several companies and get your SR22 Auto Insurance quotes now why wait.
If you can look around and see if you can combine SR22 Auto Insurance and regular insurance then look to see if you can add your home, fire, and if possible life. By doing this the company to get your business will give you discounts. Another great thing about doing this is your only paying one bill a month instead of paying 3 or 5 bills a month. So in this economy why not find ways to save yourself money so you can finally see your bank account grow instead of being in the negative every month or just getting by.
You will have no problem at all finding the right sr22 coverage to satisfy the court requirements. But since getting that DUI you have already paid more than enough and like i said when i got mine it seemed like it was never ending. But the good news is that you don't have to have SR22 Auto Insurance forever it is a temporary thing. But if you want to save money now you better shop around. Get the best price because That one mistake has already cost you big time.
When doing your sr22 filing make sure you keep that paper work with you at all time when your behind the wheel. and you will need to prove you have sr22 auto insurance when you go to get your licence reinstated and depending on the state you might have to so the courts that you have done all of your sr22 filing requirements.
