Cheap, Affordable SR22 Insurance Tips

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If you need SR22 insurance, you want to find a cheap, affordable SR22 insurance rate. There are several things you can do to 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 car insurance policies are cheaper than SR22 owner insurance.

When you need 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, practice defensive driving, and have 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 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-owner 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, such as rear view cameras, airbags, anti-theft devices, and blind spot detection systems, makes newer model cars safer, reducing the chance of accidents. You can also have some of these new safety devices 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 typically 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 new vehicle technologies transfer to less expensive, mid-range vehicles. When that happens, it results in safer vehicles throughout the economic spectrum that leads to cheaper rates for all types of auto insurance.

Cheap, affordable non-owner SR22 insurance

Many standard auto insurance companies don’t offer SR22 auto insurance, as high-risk auto insurance companies do. Even if they do, they may add a filing fee to your monthly premium. UltraCar Insurance specializes in providing cheap, affordable SR22 insurance rates – without additional premium fees.

You can get SR22 insurance regardless of whether you own a vehicle or not. If you don’t own a car but need an SR22 filing for license reinstatement, you can purchase cheap non owners SR22 insurance. For affordable car insurance quotes, click the orange button or talk with one of our agents. We’re ready to discuss your SR22 insurance needs!

This article was last updated on July 10th, 2025 by