Are you an Arizona driver needing SR22 insurance but worried about its high cost? Our comprehensive guide explains how to get affordable Arizona SR22 insurance and offers tips and strategies to find budget-friendly SR22 coverage options. Your game plan includes comparing quotes and asking about discounts to help you secure a low-cost SR22 policy without compromising quality or coverage.
Don’t let higher costs discourage you from getting back on the road. Use this guide to help you get affordable Arizona SR22 insurance without breaking the bank!
Understand SR22 Insurance Requirements in Arizona
Understanding SR22 insurance requirements in Arizona is vital for any driver with a suspended or revoked license due to a DUI or other serious driving offense. The SR22 document proves to the state that you have minimum auto liability insurance coverage. A high-risk auto insurance professional will file the document (certificate) on your behalf with the DMV. Drivers must typically maintain an SR22 policy for three years from their license suspension or revocation date.
Comparing the quotes of several insurance providers will help you quickly find the most affordable Arizona SR22 insurance policy. Looking at multiple quotes reveals the best rate available for your situation. Most insurance companies offer discounts if you have a safe driving record, bundle policies, or pay in full upfront. Drivers who take advantage of these discounts can lower their overall insurance rates and still meet the state’s minimum requirements for SR22 coverage, which are:
- $15,000 bodily injury per accident
- $30,000 bodily injury liability for all injuries in an accident
- $10,000 in property damage in one accident
Compare Quotes from Different Insurance Providers
When looking for affordable Arizona SR22 insurance, one of the most important steps you can take is to compare quotes from different insurance providers. Local and online independent agents can access various insurance carriers and special discounts, allowing you to determine the SR22 price range in your area quickly. High-risk auto insurance companies offer different rates and discounts, so rate shopping is crucial in finding cost-effective options.
Comparing quotes also lets you assess the level of coverage offered by each provider. Most people consider price the key motivator in choosing an SR22 policy. However, it is equally important to get adequate liability coverage in case of an accident or other unexpected event. Carefully reviewing each quote and asking questions about coverage and policy exclusions will help you decide on the most suitable provider and policy.
Getting an affordable Arizona SR22 policy doesn’t have to be complicated! UltraCar Insurance does the comparison shopping to find a policy that fits your budget and meets your SR22 obligation.
Ask About Discounts
As a driver in Arizona, taking advantage of discounts and savings opportunities can significantly affect the cost of your SR22 insurance. Besides gathering quote comparisons, ask about any discounts you qualify for. Many insurance companies offer discounts for:
- Safe driving records
- Bundling policies
- Completing defensive driving courses
By pursuing this strategy, you can save even more money on your Arizona SR22 policy.
Tips for Maintaining Affordable SR22 Coverage
You must maintain SR22 insurance for three years in most cases. So, after obtaining your initial policy, how can you keep an affordable Arizona SR22 insurance rate?
One of the best ways to help your SR22 costs stay low is to keep your driving record clean during your SR22 requirement. Also, it’s essential not to let your policy lapse.
Before your policy renewal, conduct another round of rate comparisons. You can also ask your agent if you qualify for any new or additional discounts for cheap SR22 insurance, review your coverage options, and discuss any policy adjustments to make your payments more budget-friendly. This review may lead to changing your insurance carrier or increasing your deductible if your budget allows.
Get Low-Cost Arizona SR22 Insurance
We’ve specialized in high-risk auto insurance since 2012, making it easy to reinstate your license with an affordable Arizona SR22 rate. Get an owner or non-owner policy with the coverage options you want. Our friendly agents are ready to file your SR22 certificate with the Arizona DMV without a filing fee. Call us or start an online quote today!
