Understanding California SR22 Insurance
Understanding SR-22 Insurance in California
If you’re a driver in California, you may have heard of SR-22 insurance. It’s important to understand what SR-22 is, who needs it, and how to get it. Here’s a comprehensive guide to SR-22 insurance in California.
What is SR-22 Insurance?
Contrary to popular belief, SR-22 isn’t actually insurance. It’s a certificate of financial responsibility that your insurance company files with the California Department of Motor Vehicles (DMV). It proves that you carry the state-required minimum auto insurance coverage.
Who Needs SR-22 in California?
You might be required to obtain an SR-22 in California if you’ve had certain traffic violations, such as:
Driving under the influence (DUI) or driving while intoxicated (DWI)
Driving without insurance
Reckless driving
Accumulating too many points on your driving record
How to Get SR-22 Insurance in California
Contact Your Insurance Provider: If you already have auto insurance, ask your provider if they can file an SR-22 on your behalf. Not all insurance companies offer this service, so you may need to switch providers.
Purchase a Policy: If you don’t have insurance or your current provider doesn’t offer SR-22 filing, you’ll need to find a company that does. Be prepared for higher premiums, as drivers requiring SR-22 are often considered high-risk.
File the SR-22 Form: Your insurance company will file the SR-22 form with the California DMV. There may be a filing fee, and it usually takes a few days to process.
Maintain Your Coverage: Once your SR-22 is filed, you must maintain continuous insurance coverage for a specified period, typically three years. If your policy lapses, your insurance company is required to notify the DMV, which could result in the suspension of your driving privileges.
Cost of SR-22 Insurance in California
The cost of SR-22 insurance in California varies depending on your driving history, age, and other factors. However, you can expect to pay higher premiums due to the increased risk associated with drivers who need an SR-22.
Final Thoughts
Obtaining SR-22 insurance in California is a temporary requirement that can be managed with careful driving and continuous coverage. By shopping around for the best rates and maintaining a clean driving record, you can work towards reducing your premiums and eventually moving past the need for SR-22 insurance.
Call us because we know California SR22 Insurance
Foxx Insurance understands the protocols and requirements of the California DMV. We have streamlined our process and designed them so clients can easily file for an SR22 insurance policy.
We have trained and expert staff as a part of our team, helping people be responsible and get back on the road after a one-time offense. Prioritizing your convenience, we have integrated business policies and processes that expedite your California SR22 filing.
Also, we help our clients find affordable solutions by offering more affordable rates. Our rates start as low as $14, providing you protection with affordable insurance.