What Is SR22? A Brief Introduction To The Certificate That Will Get You Driving Again
For any number of reasons, your driving rights might have been revoked and your license suspended. After the time and expense to ensure your license is once again active, you may be eager to get behind the wheel and put the entire episode behind you. That's when you hear about the SR22. Use the information that follows to learn more.
What is SR22?
Because you had a problem with your license, the Motor Vehicle Department in your state is unlikely to accept regular vehicle insurance from you. Instead, they usually ask that you purchase a policy with consideration of the assumed higher risk that you represent. The SR22 is the printed certificate that confirms that you've purchased appropriate insurance; this confirmation must be delivered to the Motor Vehicles Department by the insurance carrier before you are cleared to drive. You are personally unable to deliver the certificate.
Where Can You Get Such a Certificate?
To get the certificate you need to have a certain kind of insurance policy. Some insurance carriers do not offer SR22 certificates and the kinds of protections that related policies offer, so when you are looking for a new insurance carrier be sure to ask up front instead of assuming that they have what you require.
What are Costs Like for Policies that Issue the SR22?
You are seen as a higher risk driver because of the actions taken with your license. Therefore, you need to anticipate much higher premiums than you're used to. Luckily, some of the same tactics you may use to lower vehicle insurance can be applied here to drive down costs associated with your SR22 insurance.
For example, you can always strip a policy of things that aren't critical to your driving life. Rental cars and tow trucks can be useful, but taking those selections out of a policy can decrease costs somewhat. If you are not driving the car all the time, that's another discount you might be eligible for. You may opt to attend classes at the local driving school or move to a better neighborhood. Doing everything you can to lower your monthly insurance costs can take the sting out of the total cost of the policy.
Getting the SR22 certificate can finally help you put your driving troubles behind you. Chatting with an insurance agent, like http://www.greatnortherninsuranceagency.com, with experience in these kinds of policies can be a smart way to learn more.
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