Contrary to what’s being stated in many places on the Internet – there is no such thing as SR22 Car Insurance. High risk car insurance is usually needed because you have been convicted of a dui, dwi, or some other reckless driving offense. In many states the courts require a proof of minimum auto liability insurance. That proof is in the form of an SR22 certificate. That’s where so much mis-information is spewed out on the Internet. Beware of those that tell you about the “sr22 car insurance” or how much they’re going to save you on their sr22 auto insurance. There is no such thing as sr22 car insurance!

The sr22 is a certificate or a form  issued by your insurance company to the courts as proof that you have met at least the car liability insurance minimum standards set by your state.

Pardon my irritation on this subject but there are many that prey on the ones that need the most help. And giving out garbage information while sounding like “experts” just makes me mad.

When I needed help lowering my high risk car insurance rates I spent a lot of time trying to find accurate information. Such as where can I find rates that were lower than my monthly house payment, should I use a local agent or an on line insurance application, how do I know I’m getting a good rate – etc.

You can  end up getting lucky and find cheap sr22 insurance  that save you over $500 /year. It does a free search of the car insurance companies in my state for: the lowest rates, most coverage and companies that had a local agent for me to be able to go to if I need information or help.

Get your cheap sr22 insurance now.

John Hostler : What are high risk auto insurance polices? Are all high risk auto insurance considered SR22 car insurance polices?

Response : Depending on the category and extent of risk involved, high risk auto insurance policies can be of the following types:
• SR22 insurance: This insurance policy is required by high risk drivers to reinstate a suspended or revoked license. SR22 insurance is a guarantee by the insurance company to the government that the driver has effective financial cover to overcome liabilities.
Not all high risk auto insurance do not require SR22 form or sr22 car insurance. Please read more on when SR22 car insurance is required.
• Assigned Risk Insurance: If no other insurance company is entertaining one’s insurance application, then states have provision to offer assigned risk insurance to the driver.
• Bad credit car insurance: Many insurance companies refuse to offer insurance to individuals with bad credit ratings and higher claim statistics. An individual insured under bad credit car insurance is required to improve the credit rating within a specified period of time.
• Agressive drivers who indulge in speeding, distractions or get involved in auto insurance accidents are also
•DUI car insurance: DUI refers to driving under the influence. Most companies will cancel auto insurance if an individual is booked for this offense. However, one can buy high risk auto insurance with DUI. The cost of such a policy may go beyond 200 or 300 percent of normal auto insurance. Intoxicated or durnk driving would definetly lead to auto insurance issues.

So, it is always beneficial to follow the traffic laws and avoid buying high risk auto insurance.
A lot of speciality insurance companies offer affordable high risk auto insurance quotes and so you should shop online for the same.

Thanks.
Kamlesh

Ross Goldberg : Under what situation would SR22 form required?

Response : SR22 form is mostly a requirement of “high risk drivers”. Depending on the category and extent of risk involved, high risk auto insurance policies can be of the following types:

• SR22 insurance: This insurance policy is required by high risk drivers to reinstate a suspended or revoked license. SR22 insurance is a guarantee by the insurance company to the government that the driver has effective financial cover to overcome liabilities.
• Assigned Risk Insurance: This is given by the state, if no other insurance company is entertaining one’s insurance application, then states have provision to offer assigned risk insurance to the driver.
• Bad credit car insurance: Many insurance companies refuse to offer insurance to individuals with bad credit ratings and higher claim statistics. An individual insured under bad credit car insurance is required to improve the credit rating within a specified period of time.
• DUI auto insurance: DUI refers to driving under the influence. Most companies will cancel auto insurance if an individual is booked for this offense. However, one can buy high risk auto insurance with DUI. The cost of such a policy may go beyond 200 or 300 percent of normal auto insurance.
So, it is always beneficial to follow the traffic laws and avoid buying high risk auto insurance. Sr22 car insurance is very expensive and so one should try to refrain from DUI convictions.