California High Risk Auto Insurance

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California High Risk Auto Insurance

You may need California high risk auto insurance (SR22 insurance) if you want to reinstate your license after a suspension. Or you may need it for other reasons related to insurance risk. High risk SR22 policies are more costly than standard auto insurance. But there are ways to get an affordable rate.

If you need California high risk auto insurance (SR22 insurance), UltraCar Insurance offers competitive rates and exceptional service. The state requires you to carry California SR22 insurance to reinstate your license after suspension, or for other risk-related insurance reasons.

Why do people require high risk insurance?

  • Multiple traffic tickets
  • Speeding tickets
  • Accident claims
  • Uninsured operation of a vehicle
  • Driving with a suspended license
  • California DUI conviction
  • Failure to report an accident
  • Reckless driving
  • Owning an expensive vehicle or multiple vehicles that are costly to repair or replace

How do I get California high risk auto insurance?

In some cases, cheap affordable SR22 insurance can be challenging to find. Some insurance companies don’t offer SR22 policies. But there are California high risk auto insurance providers who assess risk factors to find the best policy and rate for you. Work with a licensed insurance broker who offers multiple quotes based on your circumstances.

Can I get a low rate for high risk insurance?

Insurance companies have sensible reasons to charge higher premiums for high risk SR22 insurance. Therefore, the premiums are higher than for standard coverage. To get the best possible rate, it helps to:

The key is to obtain the best policy at an affordable price. But don’t sacrifice quality to save money. You can get lower insurance rates for California high risk auto insurance if you:

  • Buy only the coverage that you need
  • Choose reasonable deductibles and limits that you can afford

What if I need California SR22 insurance without a car?

If you don’t own a vehicle, you’ll file a California Non Owner SR22 insurance certificate for license reinstatement.

The Administrative section of the California DMV website has helpful information about financial responsibility, insurance requirements and violations.

UltraCar Insurance will help you get affordable California high risk auto insurance with the right coverage. Click to start your California SR22 insurance quote, or talk with one of our agents today!

 

This article was last updated on November 5th, 2020 by