Finding non owner SR22 insurance companies to fulfill your non owner SR22 insurance requirement can be a frustrating task. UltraCar Insurance is a reliable provider of SR22 insurance with agents properly licensed in each state. We make it easy to file your SR22 non owner insurance certificate.
How to find reliable non owner SR22 insurance companies online
There are many out of state insurance companies that provide non owner SR22 insurance online. Some of these companies may have agents who are not properly licensed in your state. Improperly licensed agents may hide their lack of license credentials by operating under the license of the company’s principal insurance agent. However, this is illegal. Sometimes the reason an insurance company has unlicensed agents is to avoid paying a licensing fee for each agent in every state in which they operate. To avoid dealing with an unlicensed SR22 insurance agent, ask a few direct questions before you purchase a policy – such as, “Are you a licensed agent in my state?”, “Would I be able find your name if I contact my state department of insurance?”, or you can simply ask “What is your state license number?” You can then easily verify their license credentials by logging on to the department of insurance in your home state. An indication that you may be dealing with unreliable non owner SR22 insurance companies is if an agent asks for a large down payment, or asserts that they have THE best rates in your area.
Factors to keep in mind about quotes from non owner SR22 insurance companies
- Age: Younger drivers will generally have to pay a higher premium than older drivers.
- Area: Premiums in higher density areas will be more expensive than in rural areas.
- Prior Insurance: Most non owner SR22 insurance companies give you a discount if you’ve had insurance without any lapse of coverage for one year or more – even if that is a non owner SR22 insurance policy.
- Owning a home: You’ll get a home ownership discount on SR22 insurance if you own a home.
- Married: You will often get a discount on insurance if you’re married.
- Moving violations: This is the main consideration in determining the premium rate you’ll pay for a non owner policy. In general, any moving violation you have within a 3-5 year period will effect your rate, regardless whether the ticket(s) were been paid or not.
- Payment in full: You’ll receive a discount if you pay the entire term premium in full.
The Texas DPS website has information about SR22 financial responsibility certificates and reinstating your driver’s license. The following articles on our website are related to non owner SR22 insurance companies and SR22 insurance:
UltraCar Insurance has invested in our dedicated, experienced agents, who are fully licensed in the states in which we operate. You’ll receive a honest, and straightforward answer to your questions without any pressure. We never advertise that we have the lowest price in town, but we do offer some of the best rates you can find, and we make our best effort to earn your business long term. When you’re looking for non owner SR22 insurance companies, be sure to speak to a licensed UltraCar Insurance agent for non owner SR22 insurance quotes.