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SR 22 Car Insurance Guide

Chances are that many of us do not know what an SR-22 really is. That’s fine, since this applies only to those considered high-risk drivers.  If you obey the rules and you pay your insurance premiums in time, you will never have to deal with it. Find out more about SR-22 and get free car insurance quotes online from our website.

SR-22 insurance or Certificate of Financial Responsibility (CFR) isn’t a type of car insurance, but verification that you’re maintaining car insurance liability coverage. An SR-22 form is a state-mandated certificate filed by your car insurance carrier with your state’s Department of Motor Vehicles (DMV). An SR-22 is required when someone who was in an accident or convicted of a traffic offense couldn’t show proof of insurance.  You might also need an SR-22 if any of the following applies to you:

  • A DUI or DWI or any serious moving violation
  • An at-fault accident while driving without insurance
  • Repeat traffic offenses or too many tickets in a short time period
  • A revoked or suspended license

Car insurance companies will typically charge a nominal fee of $15 to $25 for filing an SR-22 form. The price may vary by state. If you need an SR-22, you will first need to purchase a car insurance policy. Your car insurance rate will be determined based on all the factors that normally go into determining rates. However, keep in mind that car insurance companies generally consider drivers who need an SR-22 high-risk, so the prices will be high.

To get an SR-22, you’ll need to go through your car insurance provider. Only an insurance company that is filed with the state can issue SR-22s. Most states require drivers to carry SR-22 insurance for 3 years while keeping continuous car coverage active.

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