If you happen to get charged with drinking and driving, it’s important to recognize that there are mountains of obstacles you will face to get your life back under control. Because this is a serious problem in every state, there are laws in place to discourage drivers from doing this and to penalize those who get caught.
As a driver that is charged with a driving under the influence (DUI) penalty, you still deserve to learn your lesson and get every part of your life back on track. Handling your license and car insurance are things that are the most immediate of your needs, and they should be taken seriously.
Depending on your state, you might have to get an SR22 insurance policy, even if you don’t own a car. Below you can learn more about these policies and how you can find cheap SR22 insurance.
What is Non-Owners SR22 Insurance?
An SR22 insurance policy is a plan that drivers have to get after they are charged or convicted of DUI, reckless driving, driving on a suspended license, and other serious infractions.
This policy is a type of stopgap measure that lets you stay insured in the interim period. Every state has its own set of laws when it comes to SR22 insurance requirements. There are many states that require you to still apply for an SR22 insurance policy even if you don’t own a vehicle.
In these situations, you will be applying for a non-owners SR22 insurance plan. You will need to get one of these plans in order to keep your driver’s license and avoid any further penalties.
What Should You Know About Buying a Policy?
After you get charged with a DUI or other penalty, you will usually lose your license and ability to drive temporarily. Getting an SR22 insurance plan is the step you’ll have to take to get back on track.
You will need to get an SR22 form, fill it out and turn it into your state’s Department of Motor Vehicles (DMV). From here, you can start shopping for plans with third-party companies that provide insurance.
The process of buying one of these policies is similar to the way you would buy any other insurance plan. It’s important to recognize that not every insurance company offers SR22 plans.
Take the time to find providers that offer these plans so that you can find a cheap SR22 insurance plan that falls in line with your budget.
How Can You Find a Cheap SR22 Insurance Plan That Suits Your Needs?
After you have found a few companies that provide SR22 policies, make sure that you look around for the best rates. Since you are already in a pinch given your circumstances, it can be tempting to buy the very first SR22 plan that you find.
Instead of doing this, give yourself enough time to pull at least five or six different quotes before making your decision.
Look Into Getting Quality Car Insurance
If you’re looking for cheap SR22 insurance, the tips above will be a great way to get started. All is not lost just because you’ve been charged with a DUI. When you handle business properly, you will be back on the road before you know it.
We’d be happy to sell you whatever kind of insurance plan you need. Lean on us today to get a quote on a plan.