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What is SR22 Insurance?
What is an SR22?
An SR22 is a financial responsibility filing attached to your auto insurance that is filed with the DMV by an insurance company. SR22’s are basically a form that is filed by your car insurance company with the DMV that lets them know you have valid liability auto insurance. If at any time your SR22 auto insurance becomes cancelled, an SR-26 is sent by them to the DMV that lets them know your car insurance has been cancelled. This will usually result in the suspension of your driver’s license.
How much does SR-22 insurance cost?
SR22s are fairly inexpensive, most insurance companies will charge a onetime filing fee of around $20. The main cost associated with an SR-22 is the actual cost of the liability auto insurance. Remember, an SR-22 is only a filing with the DMV to let them know that you’re carrying valid car insurance. Since car insurance rates vary from person to person, the true cost of an SR-22 depends on your specific situation as well. For your personalized free quote on SR22 Auto Insurance from OnGuard Insurance, please call us at (888) 99-QUOTE to speak to a licensed agent or get your free SR22 quote online.
Why do I need an SR-22 filing?
An SR22 filing is usually required by the DMV after something has happened with your driving privileges. If your license has been suspended, usually due to a DUI, or if you were involved in an accident while not having valid auto insurance, the DMV may require you carry valid auto insurance in order to receive your driver’s license back. An SR-22 is a filing from your auto insurance company to the DMV letting them know you have an active auto insurance policy; it’s basically a way for the DMV to keep you on check regarding your auto insurance. If your insurance policy cancels at any time, the insurance company must inform the DMV which will usually result in the suspension of your license again. If you don’t own a car you will still need to purchase a non owners SR22 insurance policy in order to get your license back. For a free non owner SR-22 insurance quote, please contact us at (888) 99-QUOTE.
Is DUI insurance the same as SR22 insurance?
Not really, an SR-22 is a filing attached to your auto insurance and a DUI is a violation that’s rated on your auto insurance. Usually when convicted for DUI, an individual is required to carry SR-22 Insurance for a period of 3 years but not all people with SR22 ins have been convicted of a DUI. The DMV may require you to carry SR22 ins for other reasons such as, but not limited to, being involved in an accident without a valid insurance policy or if you’re considered a High Risk Driver. Many people do consider DUI Insurance to be the same as DUI Insurance. OnGuard Insurance works with multiple top rated CA car insurance companies that will accept you with great rates even if you have had a DUI, for a free DUI insurance quote, please contact us at (888) 99-QUOTE or request your free online SR-22 insurance quote now!
How can I find Cheap SR22 Insurance?
We can help with that! OnGuard Insurance specializes in SR22 auto insurance. We’re authorized agents of many top rated insurance companies that offer low rates and attractive payment plans on SR22 insurance. You can request your free SR22 insurance quote from us online or by calling us toll free at (888) 99-QUOTE!
Why choose OnGuard Insurance for my SR-22?
OnGuard Insurance Services, LLC is a licensed, insured, and bonded insurance agency authorized to produce for multiple top rated CA insurance carriers. Many of our carriers offer very competitive rates on SR-22 auto insurance. After placing your information on our rater, all of our carriers will display your individual rates; we sort them by price and choose the best option. This ability allows us to offer our clients very competitive rates on SR22 insurance. See how much our rates are for you; get your free SR22 insurance quote today!
I got my SR22 insurance, now what?
Now that you purchased your auto insurance with an SR22, you’re ready to get your license back. Most insurance companies will electronically file your SR22 within 48 hours, OnGuard Insurance will file your SR-22 electronically and we’ll also give you a copy the same day so that you can take it down to the DMV that day to get your license back. You will probably get stuck paying around a $50 reinstatement fee to the DMV for your license. Once you’ve done that, you’re licensed and insured and ready to get back on the road! Don’t forget that an SR22 on your auto Insurance policy is usually required for around 3 years; your agent can tell you exactly how long your SR22 will be required for. During that time be careful not to allow a lapse in your policy as your license may get suspended again and you’ll be required to pay another reinstatement fee to the DMV. Still need an SR22 or looking for lower rates, request your free quote on SR-22 insurance from us today.