Car Insurance Experts

I have a Connecticut non owner SR22 insurance policy. Will this policy cover me if I drive a car that belongs to someone in my household? Does it matter if they are a family member?

A non owner SR22 insurance policy is designed to provide you with liability insurance coverage while you are driving someone else’s vehicle because you do not own a vehicle yourself. It will not cover you if you drive a car that belongs to a family member that lives in the same household. For example, if you want to drive your dad’s car and you live with him, your non owner policy will not cover you if you get in to an accident.

If you do not live with the family member, the rules may be a bit different. I would have the family member call their insurance company to see if you would be covered if you drove their car just to make sure. Also, make sure you do not drive someone’s car that has no insurance at all. A Connecticut non owner policy is designed to be a secondary insurance for any excess that might need to be covered in case of an accident and will not provide enough coverage if it is the only insurance being used. The insurance on the vehicle you are driving would be primary.

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I got a DUI last week and I live in Wisconsin. Do I have to get SR22 insurance in order to reinstate my driver’s license? Is an SR22 filing expensive?

Wisconsin state does not require auto insurance, so it can be confusing when you are required to get insurance to file an SR22 form.  State law says that an SR22 filing is not required for a first offense of driving intoxicated, so if this is your first offense, you will probably not have to get SR22 insurance.  If this is your second or third DUI offense, you will be required to file an SR22 form with an insurance company.  The typical SR22 filing period is 3 years in Wisconsin, but make sure you contact the Wisconsin DMV or Department of Transportation to verify how long you must carry your SR22 insurance for.

SR22 insurance can be expensive, especially if you are not used to paying insurance at all, but there are a couple things you can do to try to find cheap Wisconsin SR22 insurance.  The most important thing to do is your research.  I always recommend comparing quotes from 3-5 different insurance companies to make sure you find the cheapest rate possible.  Once you find a good quote online, call the insurance company and ask about any special discounts they may offer.  Try to keep your driving record as clean as possible for the next couple years and your rates will go back to normal.

I have a Maine non owner SR22 insurance policy.  Will my policy cover me if I get in to an accident in a car that is not insured?

Usually, non owner SR22 insurance comes secondary if you get in to an accident.  For example, if you are driving a friend’s car that has insurance and you get in to an accident, your friend’s insurance will be used first and your non owner policy will be used to meet any left over insurance needs. 

The important thing to remember is that SR22 insurance is usually only minimum liability insurance required by your state, and if you get in to an accident, it will not cover the car you are driving.  I would make sure the car you are driving has insurance coverage just in case something happens so you don’t find yourself in a position where you don’t have enough coverage and have to pay large amounts out of pocket.

I am planning on moving from Washington to Texas.  I have SR22 insurance in Washington, and I was wondering if I still have to have the SR22 filing after I move to Texas?

The laws regarding SR22 insurance are different in each state.  You were required to file SR22 insurance in order to get your license reinstated after receiving a DUI in Washington, and if you let that policy lapse, even if you move, the insurance company will still notify the Washington DMV.  Upon notification, the DMV will most likely suspend your license again.

Chances are, when you apply to get a Texas driver’s license, you will still need to carry out the remaining time you have left for your SR22 filing.  I would call both the Washington and Texas DMV to ask them about the requirements for transferring your SR22 insurance between states and if it is necessary.

Can I lower my New York SR22 insurance premium by driving a car with good safety features?

Yes, you can definitely save a lot of money on your SR22 auto insurance by driving a car that is well equipped with standard safety features such as airbags, ABS, crumple zones, an electronic stability system, and head restraints and has a good crash test rating.

Insurance companies look at a number of different factors when determining your New York insurance premium, and risk plays a huge role in this as well. The more safety features you have the less of a risk you are to the insurance company and the cheaper your SR22 insurance is going to be. Before you purchase a vehicle, it’s a good idea to look in to the safety features and crash test ratings that that vehicle has. Make sure you compare quotes from different SR22 insurance companies to see which one offers you the best rate.

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Where can I find the cheapest SR22 insurance in Nevada?

You can call around and speak to several local agents in your area for one, but this could waste your time and point you in the wrong direction. The best way to get cheap SR22 insurance in Nevada is simple, look online and compare auto quotes with one another. Getting the insurance companies to compete for your SR22 business is one way to lower your rate and ultimately lower costs. Other great way to lower SR22 cost is finding out what discounts you qualify for. Some discounts you could look into are car alarms, Lo-Jack, year model, color, coupe or sedan, good student, etc. Mention any of these discounts that apply to your SR22 insurance company for a lower rate.

After comparing several SR22 quotes take the cheapest three and start negotiating with them. If you get each company to compete for you business you will always win in the end. This is essential when looking for SR22 insurance in Nevada, because SR22 is so expensive you have to continue this process over and over till you reach the lowest rate possible.

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Can I get a cheaper Michigan SR22 insurance premium if I pay my premium up front rather than month by month?

Yes, normally insurance companies will give you a cheaper rate if you opt to pay your premium up front.  Usually this is either a 6 month or 1 year premium.  If you can afford to pay that much money up front, then I would say go for it, but if you can’t afford it, I wouldn’t sweat it.  You really don’t save that much money by paying your premium all at once.

Another option you have to save on your SR22 insurance each month is to have your insurance company automatically debit your payment straight out of your bank account each month.  Some insurance companies will give you a slight discount if they know that they are going to be paid on time each month from an automatic debit.  It is up to you how you pay your SR22 premium, but no matter what you decide, make sure you always pay on time and never let your policy lapse.

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Can I find cheap Ohio SR22 insurance online? Would you recommend doing this?

Yes, you can find SR22 insurance online, just like you can buy pretty much everything else online.  Many insurance companies are allowing people to get quotes and actually buy an insurance policy online rather than having to call and sit on the phone for 30+ minutes.  I would definitely recommend getting online SR22 insurance quotes because it is so much faster than making a phone call or visiting with an insurance agent.  Comparing quotes online from multiple insurance companies will help you narrow down your options so you can find the cheapest rate possible. 

I hesitate to tell people to actually purchase a policy online because you are entering in to a legally binding contract when you buy insurance, and it is important that you fully understand your insurance policy and coverage.  I think that sometimes it is better to actually call a company (once you have found a cheap quote online) so you can ask them any questions you might have about your Ohio SR22 insurance coverage. 

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Does the type of vehicle I insure have an impact on my insurance premium? If so, what kind of car can I buy that will help me get cheaper Georgia SR22 insurance?

The particular car you drive does have a large impact on the price of your Georgia SR22.  There are a lot of different factors that an insurance company will look at in a vehicle to determine your rate. Make sure you do your research and understand all of these factors before you purchase a vehicle.  

Some of these factors are size of vehicle, safety features, year model, and whether or not the vehicle is on the list of frequently stolen cars.  If the vehicle has a high chance of being stolen or broken in to, your SR22 insurance is going to be more expensive.  Also, if you drive a big SUV or truck, the insurance company will charge you more because you will cause more damage in an accident. Driving a car with good safety features and an alarm system is one way to save on your Georgia SR22 premium.

The best thing to do is to shop around to see which company offers you the best rate.  If you are planning on buying a car, make sure you see how much insurance will cost on it before you buy it, so it doesn’t come as a surprise to you. 

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My son just turned 16, and I was wondering what I can do to get cheap insurance in Ohio for my teenager? What type of car is the cheapest to insure for a young driver?

For a teen driver, I would avoid actually buying and financing a new vehicle.  Insurance for a brand new vehicle is always going to be more expensive, especially for a new driver.  Also, when you finance a car, you are required to carry full coverage insurance which is also more expensive.  Teenagers have a higher risk of getting in an accident due to their inexperience at driving, so it’s never really a good idea to spend a lot of money on a new car for them.

On the opposite side of the spectrum, you also don’t want to have your teenage son driving a car that is too old. Cars that are more than 10 years old don’t always have up to date safety features, so it can be risky if your son gets in to an accident. The best car to get is something that is anywhere from 5-8 years old and has good safety features in it.  Also, avoid getting your son a sports car because your insurance rates will be through the roof.  Make sure you ask your insurance company about the good student discount (B average or better) and see if he qualifies.

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After my SR22 filing period is over, how long will it take for my insurance rates to go back to normal?

Normally, a DUI and SR22 filing will stay on your record for about 5 years.  Usually the SR22 filing period ranges from 2-3 years depending on the state you live in, so after this period is over the DUI will be on your record for another 2-3 years.  After the 5 year period is over, it is likely that your insurance rates will drop back down to normal. 

There are a couple things you need to make sure you do in order to get your insurance rates back down after receiving a DUI.  First, you need to try and keep a squeaky clean driving record.  I know it’s easier to say than do but avoid getting in any accidents, getting any tickets, and never let your insurance policy lapse. The quickest way to lower your insurance rates is to remain a good driver.  It might also be to your benefit to take a defensive driving class because that will look good to your insurance company.

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I am planning on buying a new car. What can I do to keep the cost of my Florida SR22 insurance down?

Well, when you buy a new car, it is likely that your SR22 insurance premium will go up, especially if the car you are currently driving is an older car that only has liability coverage.  When you finance a new car, you will probably be required to have full coverage auto insurance which is more expensive.

One good thing about buying a new car is that they usually offer very good safety features.  Insurance companies like cars with a lot of safety features, so this will help you get a cheaper SR22 insurance rate.  If you have a decent driving record, your Florida SR22 policy should not go up too much with a new car unless you buy a luxury car like a Mercedes or a Lexus. 

There are a lot of different factors that will determine your auto insurance premium, so it is always a good idea to do some research before you buy a new car to make sure you will be comfortable of the costs associated with it (car payment, gas, insurance, etc.)  I would recommend comparing SR22 insurance quotes from 3-5 different insurance companies to see who offers you the best rate. 

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What will happen if I get pulled over by a police officer and I do not have proof of my Ohio SR22 insurance?

Well, it really just depends on why you cannot show proof of having SR22 insurance.  If you just forgot to put your SR22 insurance proof in your vehicle or you forgot it at your house, you will still probably receive a ticket, but you will be able to get the ticket dismissed by going to court and providing proof of your SR22 insurance. 

If you are driving without SR22 insurance because you never filed for SR22 or your policy was cancelled for any reason, this is a much more serious offense.  If your SR22 policy has been cancelled, it is likely that your insurance company has notified the Ohio DMV and your driver’s license will probably be suspended again.  If you have never filed for SR22, you are probably driving without a driver’s license which is illegal, and you will probably have a hard time getting your license reinstated.

Just to be on the safe side and avoid any unnecessary time in court, make sure you always have proof of your SR22 insurance with you while driving, and make sure you never drive without a license or proper insurance coverage.

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I live in Illinois, and I got a DUI. Do I still have to file an SR22 if I only drive 1 or 2 days a week or less?

Yes, you have to file an SR22 certificate with your insurance company if you would like to have your driver’s license reinstated.  You cannot legally drive at all (not even 1 or 2 days a week) unless you have a valid driver’s license, so you don’t really have any other option but filing for SR22 insurance if you got a DUI and had your license suspended.

If you are worried about the cost of your Illinois SR22 insurance, there are a couple things you can do to get a lower rate.  First, if you only plan on driving 1 or 2 days a week, your auto insurance company will probably give you a discount for your low mileage.  Insurance companies base your rate off of how risky of a driver you are, and the fewer miles you drive per year, the less of a risk you are.

Make sure you compare quotes from a few different SR22 insurance companies to make sure you are getting the cheapest rate.

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I got a DUI last week and I was wondering which states do not require an SR22 filing?

Every state has different laws surrounding SR22 and driver’s license reinstatement. Most states require an SR22 filing in order to reinstate your driver’s license after getting a DUI, but there are a few states that do not require and SR22. 

Here is a list of states that do not require an SR22 filing: New Mexico, Delaware, Pennsylvania, Kentucky, Oklahoma, Minnesota, New York, North Carolina.

Let’s say that you have an SR22 filing in Texas and you move to New Mexico.  You would still need to keep your SR22 filing in Texas until your filing period is over even though you do not live there anymore.

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I got a DUI in Detroit, Michigan and I need to get SR22 insurance. Will my SR22 filing raise the insurance rates for the other people living in my house?

Your Michigan SR22 filing should not have any effect on the other people’s policies in your home if they are on a separate policy.  If two people are on the same policy, this could cause your rates to go up.  The best way to avoid this is to have the person file a separate policy so your SR22 premium will not cause their rates to increase as well.  If you must be on the same policy, you should ask your insurance company if there is any way for your SR22 to not have any effect on other driver’s rates in your household. 

If you are still trying to decide who to file your SR22 insurance with, make sure you do your research and find the cheapest insurance company possible.  SR22 insurance can be a bit pricey, but if you shop around and compare quotes, you should be able to find the best deal available.

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I just bought a hybrid Honda Civic.  Will a hybrid vehicle lower my auto insurance premium?

There are a few insurance companies in some states that will give you a discount for insuring a hybrid vehicle.  Most companies might not though because insurance is based on risk and the value of the car.  Just because a car is a hybrid doesn’t mean that the replacement parts due to an accident are any cheaper than a regular car, so your auto insurance company has no real benefit for giving you a discount on your hybrid car.

Either way, I would recommend getting quotes from 3-5 different insurance companies to see if any of them will give any better rate for your hybrid vehicle.  The more companies you research, the better chance you will have of finding the cheapest rate possible.

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 I am about to purchase a Connecticut SR22 insurance policy, what is the minimum coverage I need? 

Since you live in Connecticut and filing for a SR22, then you are required to have liability coverage for your car. If you don’t own a car, then you must purchase a non owners SR22 insurance policy. The amount below will specify exactly the amount of coverage you need.

Bodily injury liability: medical costs, etc., covers death and recovery expenses.

·  $40,000 per accident

·  $20,000 per person

Property damage liability: covers damage done to property.

·  $10,000

This is just the minimum comprehensive and collision insurance coverage that is required for a SR22 in Connecticut. The comprehensive part of the insurance covers you if you car is stolen or broken in to, collision covers you if you crash or crash into someone else.

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What are some things that would cause my auto insurance company to cancel my Illinois SR22 policy?

Here are a few reasons that your insurance company would terminate your SR22 insurance:

1)    Getting another DUI: If, during your SR22 filing period, you get another DUI, your insurance company may decide to terminate your SR22 policy. Your insurance company many also decide to cancel your policy if you get into numerous accidents or get multiple traffic tickets.

2)    Missing or late payments: If you miss a payment for your SR22 insurance premium, your insurance company could suspend your policy.  Also, if you are consistently late making your monthly payment, the insurance company might decide to cancel your policy. To avoid this and the hassle that goes along with it, make sure you do everything you can to pay your SR22 insurance on time.

3)    Violating the terms of your policy: If you do anything that violates the terms of your SR22 policy, your insurance company can immediately cancel your policy.  It is important that you know all of the terms of your insurance agreement.

If you avoid doing any of these things, then your insurance company will most likely never have a reason to cancel your SR22 filing and insurance. 

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I got a DUI in Florida and I need to file an SR22.  How long do I have to carry the SR22 filing and from what date does the filing period start?

Every state has different SR-22 filing period lengths, but in Florida you are required to file an SR22 for 3 years.  In most cases, the 3 year filing period begins the day you actually file the SR22 certificate, not the day you get the DUI, but this can vary with different situations so you might want to call the Florida DMV and ask them what the official start date of your filing is just in case.

An important thing to remember is that you must not let your SR22 insurance policy lapse at any time during the 3 year period.  If you cancel your SR22 policy or your insurance company terminates your insurance due to non payment, the insurance company must notify the Florida DMV immediately.  If this happens, your license will most likely be suspended again.  If your license is suspended again, you must re-file the SR22 and your 3 year period will start over again from that date, so you should do everything you can to prevent your SR22 insurance from lapsing.

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