Obtaining Cheap SR22 Insurance
If you have been required, due to a suspended license or DUI, to obtain a high-risk insurance certificate in order to drive with a restricted license or to get your license reinstated, you have some recourse online. Some California insurance companies offer cheap SR22 insurance – it’s just a matter of doing research and finding them. It is important that you obtain it from a licensed agent and also to keep in mind the time it takes to obtain cheap SR22 insurance, how to handle it when you get it, and the importance of keeping your coverage up to date.
You do not have to purchase the certificate from the same insurance company that covers your vehicle’s liability. It’s possible to shop around and get the best deal. You do have to let your current insurance provider know, however, about the certificate and about the provider from whom you have purchased your SR22 insurance.
It may take some time to find cheap SR22 insurance online or elsewhere, and then at least 30 days for the process of obtaining it to be complete. Cheap SR22 insurance is not a policy itself, but works as an addendum to whatever policy you already have, so it does increase your insurance expenses. Once you have paid for it, hopefully having found a cheap SR22 insurance certified agent, it will be issued and sent to the Secretary of the State of California. Until you actually have the certificate, you will not be able to reinstate your driver’s license, and you will still show up as suspended in the computer system, even if you have already made payment and it has been cleared by the bank.
Once you obtain the certificate, the insurance company that issued it to you will contact the Department of Motor Vehicles to let them know that you have fulfilled the obligations and lawful requirements. It’s important to keep it active and within your car at all times. If the police pull you over, you are required to show SR22 insurance proof when you show them your license and proof of insurance.
Finally, be sure to make regular payments on your SR22 insurance coverage. If you miss payments and are not covered for a length of time, your insurance company will be required by law to notify the Department of Motor Vehicles. Your license will then be suspended because of your failure to fulfill the requirements of the law with regard to carrying insurance and keeping the SR22 insurance active. It is therefore important to plan in advance and seek new coverage at least a couple of weeks before your present policy is about to expire, and do be aware that cheap SR22 insurance options really do exist.
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