SR22 Insurance isn’t actually a type of insurance, it’s simply auto insurance with an SR22 Filing Attached.

What Is an SR22 Filing?

SR22 Filing is an endorsement on an auto insurance or a non owners auto insurance policy.  It’s a form that is filed with the DMV by your insurance company that let’s them know that you are carrying the state required liability insurance.

Why is an SR22 required?

An SR22 is required by the Department of Motor Vehicles in order for a particular individual to be allowed driving privileges.  The DMV will require an SR22 for individuals that pose a high risk to motorists.  In most cases, an SR22 is required for an individual that has been convicted of driving under the influence or if someone gets into an accident while not insured.  It’s mainly a way for the DMV to insure that a high risk drivers carries auto insurance to protect the general public.

How long is an SR22 required for?

An SR22 endorsement on your policy is usually required for a term of 3 years, after which the SR22 Filing will no longer be required and the endorsement can be removed from your policy.

How Much is SR22 Insurance?

Since SR22 insurance is just a filing attached to your auto insurance, the cost of an SR22 policy is the same as the cost of an auto insurance policy plus about a $20, one time, filing fee.  Other than the fee to file an SR22, no other additional costs are associated with having an SR22.  However, the reason you need an SR22, such as a DUI, will affect your rates.

What happens if my SR22 insurance is cancelled?

While you’re in the 3 year period where an SR22 is required, if your policy that has the SR22 filing is cancelled for any reason, the DMV will again revoke your driving privileges.  In this event, you must obtain an SR22 policy again and also reinstate your license with the DMV including paying the DMV reinstatement fee which is usually around $55.  If you have a lapse in your policy due to a late payment, your SR22 may be cancelled and your driving privileges may be suspended once again.

What companies offer SR22 insurance?

The best way to find SR22 Insurance is to simply type in “SR22 Insurance“, or “SR22 Insurance Quotes” in a search engine that will provide you results of insurance companies offering SR22 Insurance.  It’s recommended to shop around 3 companies to ensure you’re getting a competitive rate.

OnGuard Insurance offers low cost SR22 Insurance and instant online SR22 Insurance Quotes.  Get rates of multiple SR22 Insurance providers displayed instantly online or call (888) 99-QUOTE to speak to a licensed agent.

1. 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 due to the violation the SR22 is being added because.  Adding it to your current policy is usually the most affordable way to go.  Call your company and ask for a quote to add an SR22.
2. Get 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 don’t advertise and use insurance agencies and brokers to distribute their product.  An insurance agency usually works with about a dozen of these companies and is able to instantly display the rates of all their companies 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.
3. 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, most of their websites will 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 cheapest 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 inform you that your driving history turned out to be different than 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.  OnGuard Insurance is a reputable agency offering competitive rates and instant, online SR22 Insurance Quotes.

First of all, what is high risk auto insurance?  High risk auto insurance is referred to as the “Non Standard Market” in the insurance world.  It’s basically a person who has two or more points on their driving record over the past three years.  Points are counted as one for a minor violations such as speeding or stop sign and two points for major violations such as DUI or racing.  An accident is counted as one point if it was at fault with no injuries, two points if it was at fault with injuries and if an accident is not your fault then it doesn’t carry any points.

If you happen to have two or more points on your driving record then finding a company could become challenging.  Many of the insurance companies prefer not to insure a high risk driver for the obvious reason that it’s simply a higher risk for them.  However, given the high demand for this market, there are many insurance companies that specialize in high risk auto insurance only.  Many of these insurance companies work through auto insurance agencies to cut costs in order to provide affordable rates for high risk drivers.  An insurance agency basically enters your information in their rater and instantly gets the rates of multiple companies displayed in order of price.  Once you’ve agreed to the price the agent can write that policy for you and get you set up.  Many agencies now offer online auto insurance quotes that displays multiple rates at once.

The easiest way to find low cost High Risk Auto Insurance is to simply shop around.  With the Internet, shopping for Car Insurance has never been easier.  Most reputable companies these days offer instant online auto insurance quotes and to see if they will take a high risk driver simply enter your violations and their website will let you know.  It is recommended to shop at least  three to five companies before making a choice.  Try to check with at least one insurance agency as you’re most likely to find the lowest quotes there.  Lastly, before you choose, read their reviews.  Make sure the agency you’re working with has a good history of service and you’ll be happy to have an agent by your side.

OnGuard Insurance is a California Insurance Agency and a leading provider of High Risk Insurance and provides instant online High Risk Car Insurance Quotes.  Get a quote in just 3 minutes online or call (888) 99-QUOTE.

Non Owners Insurance is basically an auto insurance policy without the car.  It’s written through an auto insurance company very similar to the way a conventional auto insurance policy is written.  It’s designed for those who need or want to have insurance but don’t own a vehicle.

Why would one need an non owners policy?

Typically, a person would need a non owners policy if they have a need or want for an auto insurance policy but don’t own a vehicle.  Say if you occasionally borrowed other peoples cars and wanted to be protected, this type of policy would suite your needs.  The most common reason a person purchases a non-owners policy is because they are in need of an SR22 filing to reinstate their license after receiving a DUI but don’t own a vehicle.  In these situations, one can purchase a non-owner’s policy with an SR22 filing attached; this would accepted by the DMV as a valid policy and driving privileges can be reinstated.  Sometimes an employer may require insurance as part of the hiring process and if one doesn’t own a car then this policy would again suffice.

Is a Non Owners Insurance policy cheaper than a regular policy?

Not by much.  The main difference between a regular car insurance policy and a non owner’s policy is that the annual mileage can be rated at a lower factor since there is no regular use of a vehicle.  Other than that, there really isn’t much of a price difference between the policies.  Some agents will recommend a non owners policy to try to earn your business by offering some savings.  I would strongly recommend that you stay away from this advice as you will not be covered and the savings is not worth it at all.

What cars can I drive with a Non-Owner’s policy?

With a non owners insurance policy, one can drive any personal use vehicle that is not registered to them, an employer, or anyone residing in the same household.  This type of policy is designed for those that want to be covered for occasional use and not for coverage on any cars that are driven regularly or for any vehicles that you have regular access to.

How to get Non Owners Insurance Quotes?

Many companies offer Non Owners Insurance but most only offer Auto Owners Insurance quotes online.  Search the terms “non owners insurance” or “non-owners insurance quotes” and find companies offering this product, most likely you will have to call in for a quote.  Insurance agencies are usually a good way to go since they specialize in these types of polices and can often times find you a great rate.

OnGuard Insurance is a reputable insurance agency offering competitive rates on Non Owners Insurance as well as Auto Owners Insurance.  Get quotes online or by calling (888) 99-QUOTE!

1. Gather your information – Before you start shopping, get all your information together so that the quotes you’re getting are as acurate as possible.  The cheapest company with even one piece of incorrect information may not be the cheapest with the correct information.  The main information you will need is your vehicle vin numbers, your annual mileage driven, your driving history/record, years licensed, coverages desired, along with some other minor details.  The most common causes for change in price from the time you quote to the time you buy are changes in driving history and vehicle type changes due to vin number not being entered at the time of the quote.  Try to have your VIN number when shopping around for quotes and if you’re unsure of your driving record, most DMVs will allow you to run your driving record on their site for a small fee.  Having this information could help you in finding the lowest rates available for you on auto insurance.
2. Shop three to five companies – Once you have all your info together, try to at least shop three companies.  Ever auto insurance company has their own ways of calculating rates based on their loss history.  What may be the cheapest for me, may not be the cheapest for you so don’t listen to all the low cost auto insurance ads, just shop a few to see who’s offering competitive rates for your particular situation.  Remember to shop apples to apples, most insurance company websites have a default coverage selection, don’t forget change the coverages so all your quotes match.
3. Use the internet – Most reputable insurance companies offer online car insurance quotes these days.  The internet is the fastest and easiest way to shop for insurance.
4. Check with a local agent – Insurance agencies often times work with insurance companies that don’t sell directly to the public and don’t spend money advertising.  These companies are often times very competive and are only available through an auto insurance agency to be sure to include one in your search.  An insurance agent can also quote multiple companies at once and offer the cheapest one.
5. Use a lead generation company – There are some websites that collect your information and then sell it to auto insurance providers who use it to provide you a quote.  Using one of these will generate multiple quotes but you may want to enter a wrong phone number if you don’t want a bunch of calls.

Once you’ve collected your quotes it’s just a matter of math.  Don’t forget to calculate some value in your quotes, sometimes a more reputable company is just a little bit more but well worth it.  OnGuard Insurance is a reputable CA Insurance Agency offering Cheap Car Insurance as well as instant online Car Insurance Quotes.

What is High Risk Insurance in California?

High risk insurance in California is insurance for those drivers that pose a high risk of loss to an insurance company.  If you’re not a prop 103 good driver, you’re considered to be a high risk driver per the insurance companies.  A prop 103 good driver is one that has no more than one minor violation on his/her driving record, no major violations (DUI, reckless driving, speed contest, ect), no suspensions, no more than one non injury accident, no injury accidents, and one who has been continuously licensed for the past 3 years.  Anyone that does not meet these qualifications is considered by most insurance companies to be a high risk driver.  Insurance companies classify this market of people as the non standard market.  High risk insurance is basically any company providing auto insurance in the non standard market.

How do I get High Risk Auto Insurance Quotes?

You can get high risk insurance quotes simply by requesting quotes from any company and inputting all your violations.  Once your driving history is entered, the insurance company will either give you a rate or not accept you as a risk.  If you get a rate with your violations entered, then that insurance company is willing to accept you even though you’re a high risk.  Most insurance company quotes are given based on the information you provide so remember to input your violations.  Once you’ve received a quote and you’re ready to purchase, the insurance company will run your driving record to ensure the information you provided is accurate.

Where Can I Find The Lowest Rates for High Risk Car Insurance

Insurance Agencies are often times the best way to find low rates on high risk car insurance.  Insurance agents usually work with multiple non standard auto insurance companies that specialize in providing auto insurance for high risk drivers.  An agent can usually enter your information in a rater and instatnly see the rates of all the companies he/she works with.  They can offer you the lowest rate between them all.

How Long Will I Need High Risk Insurance for?

In California, you’re considered high risk unless you’re a prop 103 good driver.  You’ll need high risk insurance until enough of your tickets drop off your record for you to qualify.  Minor traffic violations stay on your record for 3 years, major violations for 5 years, and accidents for 3 years.

Is High Risk Insurance the Same as SR22 Insurance?

A person needing an SR22 is usually considered a high risk driver but not all high risk drivers need an SR22.  An SR22 is a filing attached to your auto insurance per the DMV and high risk insurance is insurance for those that the insurance companies consider to have a greater chance of loss.  They are similar but yet different, visit SR22 Insurance California for more information or SR-22 Insurance Quotes for a free quote.

OnGuard Insurance offers competitive rates on high risk auto insurance as well as DUI Insurance.  You can get an instant High Risk Insurance Quote online or by calling (888) 99-QUOTE.

1. Get a quote to see how much it would cost to be added on your parents policy.

Depending on the kind of policy and the company your family is with, getting added to the family policy could be a good way finding the lowest rates.  If your family policy consists of high end vehicles that you will not be driving, check to see if the insurance company will assign you to a lesser value vehicle that you drive.  Many insurance companies will automatically assign the highest risk driver to the most expensive car to ensure they are collecting proper premium.  In a lot of cases, the most expensive vehicle is usually not driven by the teenager so make sure to see if your parents insurance company will assign you to the vehicle you drive as this will significantly reduce rates.

2. Get auto insurance quotes from local agencies & brokers.

Agencies and brokers usually work with multiple insurance companies specializing in the non standard industry.  The non standard industry is basically insurance lingo for high risk which is where teenage driver insurance falls under.  Agencies are able to quote multiple non standard insurance companies at once and offer the lowest rate of all the insurance companies they are authorized to produce on behalf of.  An insurance agency can also look into ways available to lower your rates with discounts and options,

3. Shop Around.

Finding the lowest rates for teenage drivers sometimes means just comparing rates of multiple companies until you find the lowest one.  With the web, shopping for auto insurance has never been easier.  Many insurance companies now offer instant auto insurance quotes online which allows you to compare more rates in less time.  Some agencies also offer online young driver insurance quotes now and some of them will even display the rates of multiple companies with one quick easy form.  The power of competition is a great way to find the lowest rates, take advantage.

4. Become less of a risk.

Consider driving a vehicle that will only require liability insurance.  The less coverage you purchase, the less of a risk you are to an insurance company resulting in lower rates.  Wait until you have 3 years of driving experience or shop for quotes again when you turn 19.  At the age of 19, many agencies can give you your full 3 years of driving experience which makes you eligible for a 20% good driver discount.  Offering good driver discounts are required per prop 103 and every insurance company has to apply the discount if you qualify.

OnGuard Insurance is a reputable auto insurance agency that offers instant online quotes and low rates for young driver insurance.  Get online young driver insurance quotes or call (888) 99-QUOTE.

1. How do insurance companies rate motorcycle insurance?
2. Do I have to have a motorcycle license to get motorcycle insurance?
3. Why is full coverage so much more than liability insurance on my bike?
4. Are there benefits in using an agency to quote my motorcycle insurance?
5. How can I find the lowest motorcycle insurance quotes?

1. How do insurance companies rate motorcycle insurance?

Insurance companies rate motorcycle insurance much like auto insurance with a few differences.  Here’s a list of the main rating factors used to determine your motorcycle insurance rates….

• Zip code – Areas with a greater history of losses rate higher
• Date of birth – Wisdom and safety come with age
• Driving experience – More experience equals lower rates
• Marital Status – Married riders enjoy a little lower rates
• Violation history – More violations, more premium
• Coverages requested – Better coverages, higher premiums
• Motorcycle Value – Only when purchasing full coverage
• CC Size – Size matters, bigger engines pay more
• Cycle endorsement date – the date you got a motorcycle license
• Discounts & other rating factors – ask your company for details

2. Do I have to have a motorcycle license to purchase motorcycle insurance?

You don’t have to obtain a motorcycle license to purchase motorcycle insurance, however, having a motorcycle license does have a bearing on your rates.  Having a class M license shows the insurance company that you are an experienced rider and less likely to be involved in an accident.  The longer you’ve had your motorcycle license, the lower the rates.  There are many companies available for you to purchase motorcycle insurance from even if you don’t have a license but be prepared to pay a higher rate than those with a license.

3. Why is full coverage so much more than liability insurance on my bike?

The reason why full coverage insurance on a motorcycle is so much higher than liability is simply because of the risk involved.  Remember, liability insurance covers others, what you’re liable for, and not your bike itself and full coverage covers your bike as well as liability.  If you hit someone with your motorcycle, your insurance company has to pay for damages you caused to others and their property.  How much damage can you really cause with a motorcycle?  That’s why liability motorcycle insurance is usually so inexpensive.  The damage you can cause with your bike reflects the rates you pay on liability.  Now, it’s a whole another story when it comes to full coverage.  Almost any kind of accident will cause extensive damage to your bike that would have to be paid for resulting in much higher rates.  Get quotes on both and compare your options before making a decision.

4. Are there benefits in using an agency to quote my motorcycle insurance?

There are great benefits in using an agency for motorcycle insurance quotes.  Agencies usually work with multiple carriers that have different guidelines, prefer different kinds of risks, offer different discounts and more.  Agencies can enter your information in a comparative rater and instantly see the rates of all the companies they have to offer you.  Agencies will usually do all they can, including but not limited to, offering all discounts available to help you find low cost motorcycle insurance.

5. How can I find the lowest motorcycle quotes?

When shopping for any kind of insurance quotes including motorcycle, you want to do your best in providing the most accurate information.  The reason why you want to do this is that a company quoting you the lowest rates with let’s say no tickets will not usually be the lowest rate if you happen to have a ticket.  Every company has their way of rating so when you are comparison shopping for your motorcycle insurance, provide accurate information, especially with past tickets to ensure you’re comparing accurate rates.  Also, take the time to quote from at least 3 different companies to understand the range of prices you should be paying.  Lastly, make sure to get a quote from at least 1 agency as an agency instantly quotes multiple companies so 1 call gets you the lowest of many quotes.  Insurance agents can usually also offer discounts and advise to find you the Lowest Motorcycle Insurance Quotes.

OnGuard Insurance offers competitive Motorcycle Insurance rates and great service.  You can get an Online Motorcycle Insurance Quote or call (888) 99-QUOTE to speak to an agent.

Car insurance in LA and other major cities do typically tend to cost more.  California carriers  use zip codes to determine what areas have a greater risk of loss based on the history of losses they’ve experienced in those areas.  Los Angeles and other major congested cities do tend to have a greater risk of loss.  Auto Insurance in LA has proven to be a higher risk than most cities due to the claims history experience here.  Traffic, congestion, and the high need to drive in cities like LA are all contributing factors to higher rates.  The good news is that since there is such a large market for car insurance in LA, there also are many companies competing for such a large market which drives yours prices down.  Los Angeles auto  insurance rates are usually a little higher, but here at OnGuard, we have a unique way to get you great rates on your car insurance in LA or any other major city in California.  We are authorized producers of many top rated auto insurance companies offering competitive rates in LA, CA.  When you request your quote from us by calling (888) 99-QUOTE, we simply enter some of your basic information in our CA Auto Insurance Rater and your quotes for all the companies we work with are displayed in order of price, we just offer you the best option.  You can also request your free Los Angeles Car Insurance Quote online, and see the rates of all the companies we work with displayed instantly in about 3 minutes.

OnGuard Insurance has multiple locations in LA, CA and has been providing low cost auto insurance all across California for many years.  We have the ability to place your policy with the right company for a great low rate.  As authorized producers of many of the top rated California auto insurance companies, we instantly provide the lowest rates we have available for you.  Get your free Los Angeles car insurance quotes online from OnGuard Insurance today or call one of our licensed agents at (888) 99-QUOTE.  Our rates on auto insurance in los angeles are incredibly competitive!

Here’s a basic and simple explanation of the main coverage options associated with auto insurance in California.

Liability Insurance
Liability basically covers what you’re liable for. If you caused damage to another vehicle, person or property then your insurance company will pay for what you were held liable for up to your policy limits. The minimum limits required in California for auto insurance are 15/30/5. 15/30/5 Insurance is short for $15,000 per person for bodily injuries, $30,000 max per occurrence for bodily injuries, and $5,000 max for property damage. You are still liable for damages above what the insurance company pays so be sure to protect your assets. For homeowners, a minimum of 100/300/50 is recommended. Also, if you vehicle is leased, your leasing company is likely to require that you have a minimum of 100/300/50 liability insurance coverage.

Uninsured Motorist (UMBI & UMPD)
Uninsured motorist is an optional but highly recommended coverage. Even with it being a law to carry liability car insurance, many motorists simply can’t afford it. Uninsured motorist coverage will protect you up to the policy limits in the event an uninsured motorist collides with you. For uninsured motorist to provide coverage it is required that someone be held liable for hitting you. In the event of a hit and run, at least a license plate number must be obtained for this coverage to kick in. Uninsured Motorist Bodily Injury (UMBI) starts off at limits of 15/30, $15,000 per person with a maximum of $30,000 of coverage per accident… higher limits are available. This means that if an uninsured motorist is held liable for the accident, your insurance company will pay you and your passengers for bodily injury incurred up to your policy limits. Your company may also provide this coverage for under insured motorists which means that if the person that hit you doesn’t have enough coverage to cover your injuries; your company will come in as the secondary and cover the difference up to their limits.
Uninsured Motorist Property Damage (UMPD) is usually $3500 in coverage. If an uninsured motorist was held liable for your accident, your company will pay up to $3500 for repairs to your vehicle. If you have purchased collision coverage on your policy then your UMPD coverage becomes a collision deductible waiver which means this coverage will pay the deductible on your collision coverage.

Medical Payments
Medical Payments provide coverage up to the policy limits for medical bills resulting from an accident regardless of fault. You can purchase medical payment limits from about $1,000 to $10,000. Let’s say you chose to buy $1,000 medical payment limits, each person in your car would be covered up to $1,000 per accident. Medical payments are optional and not required.

Comprehensive & Collision (Comp/Coll)
Comprehensive and Collision coverage on your auto insurance policy is the part that covers your vehicle. Collision coverage covers your vehicle in the event of an accident while you’re driving. Comprehensive coverage also know as other than collision coverage covers your vehicle for damages that may happen when you’re not driving your vehicle such as fire, theft, vandalism, tree falling on your car, etc. These coverages don’t have limits to purchase; they work with choosing a deductible. A deductible is the amount you pay first, and then the insurance company covers the rest. The most common deductible options chosen are $500 and $1000. The lower your deductible, the higher your premium will be since the insurance company covers more. If your vehicle is financed or leased, your financing company will require you to carry these coverages until the car is paid off.

Rental & Towing
Rental coverage will cover the costs of renting a car up to the policy limits in the event your vehicle is not drivable or in the body shop resulting from an accident. You’ll usually see numbers such as 20/30 or 30/40 when it comes to choosing the limits for this coverage. The first number is how much they will cover per day, the second number is the maximum number of days they will cover for. 20/30 means that your auto insurance company will pay $20 per day up to a maximum of 30 days. Towing coverage will cover you for towing your car as a result of an accident up to the policy limits. Limits are usually listed as a dollar amount of $50 or $100 which means that you’re covered up to that amount for towing per disablement. Remember that these coverages only take effect in the event of an accident and are not a roadside service. Most companies now offer roadside service as an optional coverage.

Other coverages and options
Other coverages and options vary company to company. Please check with your company or agent to see what options are available to you.  OnGuard Insurance is an authorized producer of multiple auto insurance companies in California so coverage with us varies from carrier to carrier as well.

For more information or for an online auto insurance quote, please visit www.OnGuardInsurance.com or contact us toll free at (888) 99-QUOTE.