Cheap SR-22 Insurance in California

If you have found yourself in the position of having to find low cost SR-22 auto insurance quotes in California, then you’ve most likely been convicted of driving under the influence, have multiple driving violations or some other reckless driving behavior. A conviction like this will cause you to be labeled as a high-risk driver – and your California car insurance rates will reflect your new status. However, affordable SR-22 insurance is possible. Freeway Insurance agents are experienced in finding cost-effective insurance for all drivers, regardless of their driving record.

What is SR-22 Insurance in California? An SR-22 form in California is typically required after a conviction for DUI or other egregious traffic offense and lets the state know you have the legal amount of car insurance.

Driving while your driver’s license is suspended or you are uninsured will also classify you as a high-risk driver. The document proves that you are carrying at least the mandatory minimum car insurance.

At Freeway Insurance, we have experience in helping drivers who are facing the consequences of a conviction for a high-risk traffic violation. We can help you get back on the road with cheap car insurance.

Your car insurance company must file your SR-22 certificate for you after you are convicted of DUI. There are several reasons why the state might want to make sure you have the legal amount of car insurance and require you to file SR-22 insurance. Some of the facts behind SR-22 coverage include:

The cost for filing an SR-22 in California is $25-$40. This cost does not include the cost of car insurance coverage.

If identified as a high-risk driver, you are required to file an SR-22. A DUI violation is the most common reason drivers file the SR-22 form and end up looking for DUI car insurance. Having this on your California driving record will affect you in many ways and for several years to come. Below are some of the consequences that come along with high-risk driving behavior:

Your insurance provider submits an SR-22 on your behalf. You must contact them to begin the process.

Keep in mind that not all insurance providers cover those who have an SR-22 on their record. You may be considered too high-risk for the company to insure. If your insurer does not continue coverage, there are still providers that specialize in insuring providing risky drivers with high-risk auto insurance. Once you find an insurance company, they will file the SR-22 on your behalf and assure the state that you have insurance coverage.

It is common practice for these insurance providers to request that you pay the policy premium in full. If you do not pay for your insurance, the insurer will drop your policy. Insurance companies are required by law to report lapses in coverage to the state.

It is your responsibility to contact the insurance provider to have an SR-22 removed as you get to the end of the three years. The California DMV does not keep track of the end dates. The insurance provider will take the necessary steps to have the SR-22 removed. After this is completed, start shopping around for more reasonably priced insurance. Premium costs won’t go down right away, but you may find something affordable and save some money.