If you need SR22 insurance, you definitely want to find a cheap affordable SR22 insurance rate. There are several things you can do that help bring down the cost of SR22 insurance before you need it. SR22 insurance certificates are available to vehicle owners as well as people who don’t own a vehicle. Non owner policies are cheaper than SR22 owner insurance.
When you have to buy high risk insurance for license reinstatement, what can you do to get cheap affordable SR22 insurance? Three ways to get lower SR22 insurance premiums are to have years of driving experience, practicing defensive driving and having a good driving record. If you’re usually this type of driver, UltraCar Insurance can help you get lower insurance rates.
Ways to get cheap affordable SR22 insurance, before you need it:
- Take advantage of an insurance discount by having continuous coverage without any lapse for a period of 1-5 years, whether you own a vehicle or not.
- Keep a clean driving record. Any traffic moving violation tickets within a 3-5 year period can impact your rate.
- Own a home or a condo.
- If you don’t own a vehicle, obtaining non owners insurance (with or without an SR22 filing) will provide additional protection to you in case of an accident while driving another person’s vehicle. Additionally, being insured before you own a car indicates financial responsibility, and can save you money on auto insurance if you do buy a car.
Vehicle safety features and insurance rates
Do safety devices on newer vehicles help you get cheap affordable SR22 insurance? It seems logical, but the answer to this question is yes – and no.
New safety technology like rear view cameras, airbags, anti-theft devices and blind spot detection systems make newer model cars safer, reducing the chance of accidents. Some new safety devices can even be installed on older models, which can benefit younger drivers who often drive older vehicles.
Insurance companies usually provide discounted rates on vehicles that have safety equipment installed. But the cost to repair and replace these parts increases. Generic replacement parts that are usually cheaper won’t be available for many years to come. If an accident happens before generic parts are available, that increases the cost of repairs.
It takes several years before before new vehicle technologies transfer to less expensive, mid-rage vehicles. When that happens it results in safer vehicles throughout the economic spectrum. This in turn leads to cheaper rates overall for all types of auto insurance.
More about cheap affordable SR22 insurance
A number of standard auto insurance companies don’t offer SR22 insurance. Even if they do, an additional fee for the filing may be added to your monthly premium. UltraCar Insurance specializes in providing cheap affordable SR22 insurance rates – without additional premium fees.
You can get SR22 insurance if you own a vehicle or if not. If you don’t own a car but need an SR22 filing for license reinstatement, you can purchase cheap non owners SR22 insurance. Click the quote button or talk with one of our agents to discuss your SR22 insurance needs.
Using a cell phone or other electronic device while driving has led to an increase in distracted driving accidents nationwide. Cell phones have become an indispensable part of our lives. But studies have shown that any use of a cell phone to read, write or send messages while operating a vehicle is six times more dangerous than drunk driving. (more…)
Your license has been suspended, and you have no car but need SR22 insurance. The DMV tells you that you’ll have to pay a reinstatement fee and file an SR22 certificate to reinstate it. You’ve called a few companies. But since you don’t have a car and/or a valid driver’s license they can’t issue a non owner policy with an SR22. (more…)
The main difference between non owner SR22 vs SR22 insurance: SR22 non owner insurance is for people who don’t own a vehicle, SR22 insurance is for vehicle owners. (more…)
Are you wondering where to turn for information about license reinstatement? These links to state DMV offices offer a starting point to learn what to do to reinstate your license. Once you’re on your state’s DMV website, follow internal links or enter a search for the information you want. These sites usually include information about motor vehicle laws, regulations, license suspension, reinstatement procedures, and forms.
The function of most state DMV offices is to record vehicle registration and titles and issue driver permits, licenses, and license plate renewals. Some states may use names other than “Department of Motor Vehicles” or the acronym “DMV”. However, these are the most recognized terms used for motor vehicle registration and driver licensing.
Most state DMV offices‘ websites contain helpful information about license suspension and reinstatement procedures. The knowledgeable agents of UltraCar Insurance are also a great resource to answer your questions. We’re licensed to provide SR22 insurance in 34 states, and we offer Florida FR44, Virginia FR44 and motorcycle insurance. You can get an owner certificate if you own a vehicle, or a non-owner policy and certificate if you don’t. Call us today or click the quote button for an SR22 or FR44 insurance quote and quick filing of your financial responsibility form!
Alabama ALEA & DOR
North Carolina DMV
North Dakota DMV
Rhode Island DMV
South Carolina DMV
The states we offer SR22 insurance are listed below, and we file FR44 insurance certificates for DUI offenses in Florida and Virginia. You will need to file an SR22 insurance certificate to reinstate your driver’s license. We’ll find you the cheapest SR22 or FR44 insurance rate for your needs. If you don’t own a vehicle, we write non owner SR22 and FR44 insurance policies in these states (non owner FR44 in Florida and Virginia only).
Non Owner SR22 vs SR22 Insurance
What’s the difference between SR22 and FR44 insurance?
Give us a call if you have any questions about SR22 or FR44 high risk insurance in the states we offer SR22. Our licensed agents are ready to provide competitive quotes and quick filing of your certificate.
How to apply for SR22 / FR44 or SR50 insurance, motorcycle insurance, commercial auto insurance or general liability insurance is easy! Just click on the START YOUR QUOTE button above, complete a small amount of information and select the insurance you need. (more…)
SR22 insurance costs are generally higher than standard auto insurance because SR22 insurance is considered high risk insurance. People with a record of motor vehicle violations will have higher SR22 insurance rates. Drivers with repeat or severe traffic offenses have a higher chance of committing additional infractions. Therefore, insurance companies charge higher rates to limit the risk of insuring them. (more…)
Finding non owner SR22 insurance companies to advise you and file your SR22 certificate can be a frustrating task. UltraCar Insurance is a long-standing and reliable insurance provider with each of our agents licensed in the states we offer SR22 insurance. We make it easy to file your SR22 certificate!
Do you need SR22 insurance, but don’t own a car? UltraCar Insurance provides you with fast SR22 insurance quotes without a vehicle. This type of insurance is called non owner SR22 insurance. You’ll need to file a non owner SR22 certificate with the DMV before you can reinstate your license. (more…)