The winter months are once again upon us! We hope these tips and suggestions for avoiding accidents in winter weather will come to mind when you need them.
Resources Archives
This is the Resources Archives for UltraCar Insurance. Your source for SR22 & FR44 Insurance.
Avoiding Accidents in Winter Weather
Avoiding accidents in winter weather takes some planning. There are many things you can do to increase your safety, before and while driving on snow and ice-covered roads. Stocking your car with key personal items and equipment will help keep you safe if you become stranded. Staying focused, knowing what to do in certain situations, and keeping your vehicle in top condition are the best ways to reduce of a winter weather accident.
How to get an out of state SR22 filing
You can get an out of state SR22 filing whether you own a vehicle or not. Can you cancel your SR22 policy if you move to another state? No – you should not cancel or stop making payments on your policy before completing your SR22 requirement. If you do, the state will suspend your license. With a suspended license, the state you move to will not issue you a driver’s license there.
If you have an active SR22 and move to another state, you’ll need to get an out of state SR22 filing to be able to drive in your new state. Some states don’t have an SR22 program, but
Late SR22 payments during the pandemic
During 2020, many customers have received or will need temporary assistance with late SR22 payments during the pandemic. It’s especially crucial with SR22 and FR44 insurance to keep up to date with your premiums to avoid license suspension. Contact your insurance carrier before your payment is due so they can discuss late payment relief options with you.
Do you anticipate having late SR22 payments during the pandemic? The economic measures states have taken to slow the pandemic’s spread has financially impacted millions of people.
Cheap Affordable SR22 Insurance
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.
Distracted Driving and SR22 Insurance
Many states are considering and enacting distracted driving laws. This is in response to the widespread use of cell phones and other electronics while driving. Texting and driving in particular is more likely to result in accidents than DUI or DWI by alcohol or drugs. Repeat distracted driving offenses can result in loss of your drivers license, requiring you to buy SR22 insurance for reinstatement.
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.
I have no car but need SR22 insurance
When you have no car but need SR22 insurance, you’ll file a non owner SR22 certificate for license reinstatement. Because there is no vehicle to be insured, non-owner SR22 insurance is cheaper than SR22 insurance with a vehicle. However, your cost for non owner insurance still depends on factors that vary from person to person.
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.
Non Owner SR22 vs SR22 Insurance
When do you need non-owner SR22 vs SR22 insurance? It depends on whether you own a vehicle or not. There are differences in coverage between each type of SR22. Non-owner SR22 does not insure a vehicle, while SR22 insurance is an endorsement to an auto insurance policy. The most common reason to buy SR22 insurance is to reinstate your driver’s license.
What’s the difference between non owner SR22 vs SR22 insurance? You’ll use SR22 insurance if you own a vehicle, and SR22 non owner insurance if you don’t.
State DMV Offices List
Visit your state DMV website to learn about their license suspension and reinstatement procedures. Our list of offices includes links to the 34 states where we sell high-risk auto insurance. When you need SR22 or FR44 insurance, getting accurate information is essential. In many cases, you can also find information about your state driving record, the state’s motor vehicle laws, regulations, and other resources.
Are you wondering where to turn to start the process of reinstatement of your driver’s license? Our alphabetical list of links to state DMV offices is a
States we offer SR22
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).
How to Apply
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.
