Jett Johnson : Why first time drivers are considered high risk and given high auto insurance quotes and what are the coverage’s? I am a first time driver and do I need SR22 insurance?

High risk and high auto insurance is not necessary requiring SR22 insurance

Response : High risk is a classification which is used by the general auto insurance companies so that they can either weed out the higher risk or charge appropriate ratings for this classification in order to be able to remain in business. Unfortnately, yes the first time drivers are considered high risk and qualify for even though this is given by general auto insurance companies instead of speciality general insurance companies.

For you the reality is that whether you are a teen or an adult first time driver, a first time driver car insurance can really make a lot of difference in your driving experience. Aside from being required by law, a first time driver auto insurance can give you protection when accidents occur. With all the financial worries somewhat diminished, you can be more relaxed and have more peace of mind while driving.

First time drivers do not need SR22 insurance. Please read my blog post on what is sr22 car insurance and you will know all the details as to when it is required.

Now let me elaborate on what actually is the coverage you get. A standard first time driver car insurance includes the following coverage’s.:
Liability coverage. This is the most important coverage of a standard first time driver auto insurance as it pays for expenses on injuries or vehicle damage that you caused. A good baseline for a standard first time driver car insurance is 100/300/100. This means $100,000 for bodily injury, $300,000 for the injuries of all parties involved and $100,000 for any property damage. However, each state has its own laws on the minimum amount of coverage so be sure to check what applies to you.

Medical payments coverage: This coverage takes care of the medical expenses of all parties regardless of who caused the accident. Moreover, standard auto insurance can include Personal Injury Protection coverage. This coverage pays for funeral expenses, lost wages, suffering and pain.

Uninsured motorist coverage and the underinsured motorist coverage: This coverage will pay for your injuries if the other party is not insured or has insufficient coverage.

The best way to get the best auto insurance quotes for high risk auto insurance or for sr22 insurance is to compare auto insurance quotes online.

Kate Hudson : Is it possible to get a SR22 without buying car insurance?

SR22 form without car insurance.
Response : SR 22 form is required when you have got involved in drunk driving or a very big auto accident. This is a financial responsiblity. You know that most states require car owners to buy a minimum amount of bodily injury and property damage liability insurance before they can legally drive their cars. All states have financial responsibility laws. This means that people involved in an automobile accident will be required to furnish proof of financial responsibility up to certain minimum dollar limits. To comply with financial responsibility laws, most drivers purchase automobile liability insurance.

You can buy a non-owners liability SR22 policy if you do not own a vehicle. Otherwise, you can make an SR22 filing in conjunction with your current or new auto insurance policy.

Sr22 form is sold by insurance companies and the best insurance companies who will give you affordable sr22 quotes, would be from the speciality insurance companies. The key again here is it pays to shop for sr22 online. You will get affordable or low sr22 forms or sr22 quotes.

Andrew : I have been involved in a lot of driving offences and with the insurance rates so high for DUI/DWI and other offences, I find buying auto insurance unnecessary?

Response:. Andrew, this is not correct especially for high risk driver. Imagine getting a secrutiy of $1 million for a few thousand dollors is not at all a bad bargian. Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability and medical coverage:

• Property coverage pays for damage to or theft of your car.
• Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
• Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you’re financing a car, your lender may also have requirements. Most auto policies are for six months to a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.

Please compare the quotes online you will definetly find affordable DUI Sr22 car insurance also, since there are specialized companies who sell these insurances only.