Drive Smarter and Save – How to Find Cheap SR-22
Drive Smarter and Save – How to Find Cheap SR-22 Insurance
SR-22 insurance is a unique form of insurance that is required by people with driving-related offenses on their records. The best way to find cheap SR-22 insurance is to shop around and be smart about the coverage you buy. Here are several tips to help you save money on your SR-22 insurance:
1. Compare Quotes Get quotes from at least three different insurance companies and compare rates. The key is to ensure that youre getting the same coverage for each quote; otherwise your comparison wont be an accurate one.
2. Consider Bundles Bundling your SR-22 in with another auto policy or homeowners policy can help you save some money. The savings may not be substantial, but it can add up over time.
3. Look for Discounts Check with each insurance company to find out if they have any discounts that are available to you. Many insurance companies offer discounts to people who have good driving records, take defensive driving courses, have multiple vehicles, or simply have been loyal customers for a long time.
4. Consider Different Payment Options You may be able to secure discounts if you pay your premium every six months or once a year instead of in monthly installments. Ask your insurance company about their different payment plans.
5. Review Your Deductible – Check with your insurance company to see if they offer any discounts when you raise your deductible. The higher your deductible is, the less youll need to pay for your overall policy. Just be sure to raise your deductible no higher than you can afford to pay should an accident occur.
6. Cut Out the Extras If youre trying to keep your SR-22 insurance costs low, skip the extra bells and whistles. On most policies, non-essential add-ons such as roadside assistance and rental car coverage are optional, so theres no need to waste your money on them if you dont need them.
7. Review Your Coverage Check your coverage to make sure youre not paying for something you dont actually need. Also, make sure your coverage is high enough to protect you if you ever have to make a claim.
Another way to save money on your SR-22 insurance is to cut your commuting time. By carpooling, taking public transportation or biking to and from work or school, you can save thousands of miles off your yearly driving total and reduce your insurance costs significantly. Additionally, turning off your engine when youre stopped in traffic or at a traffic light will also help you save on gas and insurance, since it will reduce the amount of time your vehicle is running.
Get into the habit of practicing safe driving habits. Always obey the speed limit, avoid weaving in and out of traffic, and note the distance between your vehicle and the one in front of you. Taking these steps can not only help you avoid getting into an accident, but it can also give you a few discounts from your insurance company.
Make sure you shop around to find the best policy for the lowest price. Not all SR-22 insurance policies are created equal and some companies offer cheaper rates than others. Dont be afraid to ask your insurance company about discounts or concessions; after all, theyre the ones that you have to pay for your policy.
Its a good idea to talk to an insurance advisor and ask her for advice. Shell be able to recommend certain coverage and policy options that fit your needs and save you money. An insurance advisor can also suggest other ways to lower your premiums, such as incorporating risk reduction steps into your driving habits.
Be aware of rules and regulations that vary from state to state. Regulations on the type and amount of coverage required for SR-22 insurance can differ from state to state, so make sure youre familiar with the ones in your own state. Not knowing or following the laws can be costly, so make sure to do your research.
Finally, dont assume that your SR-22 insurance is a one time purchase. If you move to another state, get a new job, or even buy a new car, your policy might need to be updated or even revised entirely. Be sure to check in with your insurance company to make sure that everything is in order and that youre not missing out on potential savings.
Besides saving money by finding a cheaper rate for your SR-22 insurance, its also important to manage your risk. Take advantage of preventative measures such as defensive driving courses, driving safety systems and other measures that can help you reduce your chances of getting into an accident. Doing this can prevent the need to file a claim in the first place and help you save money in the long run.
In addition, look for a policy that places the least amount of restrictions on you while still providing adequate coverage. Keep an eye out for any discounts you may be eligible for, and take Safety first into account whenever youre behind the wheel.
Cheap SR-22 insurance can be found if you know what to look for. Be sure to compare quotes from several different insurance companies, take advantage of any discounts available to you, and manage your risk by driving safely. Taking the time to become an educated consumer can help you save money and find the best value for your SR-22 insurance policy.
Beyond finding the cheapest policy possible, its important to be aware of the different policies offered and how they can protect you. Ensure that your coverage limits can cover any potential costs in an accident, and dont be afraid to ask your insurance provider questions to make sure you fully understand your policy.
Consider getting extra coverage, such as underinsured or uninsured motorist coverage as well. This type of coverage can save you the hassle of having to pay for damages from an accident if the other driver doesnt have insurance. Its also important to know your states minimum insurance requirements, so you dont end up being under-insured and unable to cover potential costs in an accident.
Moreover, if youre someone who pays cash for repairs rather than filing an insurance claim when possible, ask your insurer if they offer an accident forgiveness policy. This type of policy allows you to avoid an increase in rates if youve been in an accident but not filed a claim.
Finally, dont forget to use common sense when searching for an SR-22 insurance policy. Dont forget to read the fine print and make sure you understand your policy before buying; otherwise you might end up with a costlier policy than you bargained for. Ask around to get opinions from people who have experience with a certain company, and make sure to ask as many questions as possible to get the answers you need.