Choosing the best auto insurance can be challenging. Finding the right coverage when you need SR22 insurance on top of a regular policy can be even harder. Fortunately, there are ways to make picking the right SR22 insurance provider easier.
Here are five essential tips every driver can use to get the best possible SR22 coverage for their needs.
1. Take Stock of What You Need
Not all insurers offer SR22 policies and most states forbid drivers from holding two separate auto insurance policies. This means that if your existing insurer doesn’t offer SR22 or doesn’t make it available at good rates, you’ll need to drop your existing insurance plan and replace it with a new one.
When making the switch, it can be easy to get so caught up in the SR22 angle that you neglect to pay attention to the other insurance terms and conditions. To prevent this, make a go-to list of everything you need in a policy before shopping around.
2. Shop Around
Buying SR22 insurance is like purchasing any other policy. One of the keys to getting the best results is comparing insurance costs, offerings, and options. So take your time and shop around to make sure you’re getting a good deal.
3. Mind the Reputation
Take the time to actually check references and reviews before selecting a company to work with. The best providers will have a strong history in the market, lots of satisfied customers, and a reputation for great customer service.
Don’t fall into the trap of purchasing a policy based on price alone. Cheap companies that are unreliable can end up costing you more over time as you deal with the headaches of trying to navigate their terrible customer service and clumsy systems every time you need something.
4. Ask Questions
Did you know that there are different types of SR22 insurance? It’s true!
There are owners’ policies, which cover vehicles in your name, and non owners liability policies that cover vehicles you might drive but do not own. Having the right coverage is key to making sure you are protected and in compliance with state requirements and court orders.
Taking the time to ask questions about insurance provider options can help you:
- Find the right coverage
- Identify helpful and informed providers
- Protect your driving privileges
5. Get Proof
Many states no longer accept paper documentation of SR22 coverage. Instead, they require insurers to submit all documentation digitally. While this is eco-friendly and efficient for the DMV, it can make handling things more difficult on your end. Look for a policy that comes with an immediate SR22 certificate after the purchase of your policy.
This will give you proof of your compliance and all the information you need to follow up with the DMV if there are any questions or problems later.
Find an SR22 Insurance Provider Today
Request a quote today and find the right SR22 insurance provider for your needs hassle-free. Or call us at (800) 641-748 to speak with a live representative and get your questions answered now.
