Some companies advertise cheap non owner SR22 insurance Arizona policies, but do they actually deliver when you call them? You have probably seen online advertisements for non owners SR22 insurance as low as $9 or $15 per month, but when you call the company you notice immediately that they’re not disclosing the entire story. They typically come up with some type of explanation to justify the false advertising rate.
What then, is cheap non owner SR22 insurance Arizona?
An Arizona non owner insurance policy (which must be purchased for license reinstatement) has to include minimum liability coverage of 15/30/5, which means $15,000 bodily injury per person / $30,000 bodily injury per accident / $5,000 property damage. Coverage can be increased upon request. The rate for standard non owner insurance may indeed be “cheap”, but if you need to attach an SR22 certificate to it for license reinstatement, the rate will increase. Rates for cheap non owner SR22 insurance Arizona can range between $35 – $70, depending on factors such as your age, how long you’ve been driving, and existing number of violations on your driving record.
How does cheap non owner SR22 insurance Arizona work?
For the person who does not own a vehicle, it’s helpful to understand the difference between non owner insurance and non owner SR22 insurance. Both non owner insurance and non owner SR22 insurance provide liability coverage on any non owned vehicle outside the household that you use on an occasional basis. Anyone who does not own a vehicle can purchase Arizona non owner insurance. If you occasionally drive a borrowed vehicle or are required to drive in your job, carrying non owner insurance is a good idea for a number of reasons. It shows proof of financial responsibility, and it can help you get a lower auto insurance rate if you do buy a vehicle by showing that you’ve had continuous insurance coverage.
In contrast, Arizona non owner SR22 insurance is a certificate that’s added to a non owner insurance policy in order to reinstate a suspended driver’s license. When your license is suspended because of a DUI violation, too many tickets or points on your DMV record, lapse of child support, a legal judgment or the most common reason – driving without insurance – you are required to carry an SR22 certificate to be able to continue driving legally.
The AAMVA Uniform Financial Responsibility Form (or SR-22) is a certificate of financial responsibility that’s issued by an insurance company licensed in Arizona. A non owner SR22 certificate is high risk insurance that serves as a monitoring device to keep track of the status of your insurance policy. When you file an Arizona non owner SR22 insurance certificate, you agree to keep your premium payments up to date for the duration that the state requires it (usually 3 years). If there is a lapse in your payments you’re no longer covered, which breaks your agreement with the state. So the insurance company is required to notify the Arizona DMV of the lapse, and suspends your license immediately.
Check the Arizona DMV website for more detailed information about Arizona license reinstatement, and refer to these articles related to cheap non owner SR22 insurance Arizona:
- Non Driver Insurance
- Cheap Non Owners SR22 Insurance
- Non Owner Insurance Coverage
- Non Owner SR22 Insurance Companies
- SR22 Non Owner Insurance
- How to get lower insurance rates
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