A: Great question! An SR-22 is a document filed with your car insurance company that shows proof of financial responsibility after a license suspension. Usually, an SR-22 is necessary if you have been arrested for driving without insurance - but you may also be ordered to get one because of a DUI / DWI or other mobile serious violation, repeat traffic violations or tickets in a short time or a / revoked license suspended. It is required by your state DMV before you are allowed to drive again after the breach caused your license be suspended. The average length of time you will be required to have an SR-22 is 3 years, and you must purchase auto insurance for the duration of that time period. If your insurance is canceled or fault, the insurance company is required to notify the state and your license will be suspended.
SR-22 documents are specific state, so the requirements will depend on where you are when your license is suspended. Because a SR-22 indicates that you may have dangerous driving habits or tort, your insurance quote will probably be higher than without one, so it's good to shop around if you do not already have the 'car insurance. Also, if you need to pass the state you lived on his show the SR-22 to another, you will still be bound by the minimum requirements to the state of origin and complete in order to have full privileges reintegrated driving.
Which car insurance company is best for SR-22
Progressive: Not only progressive have a complete education section on their website to help you understand your SR-22 and how it works, but it is the most practical of all auto insurance companies we review to manipulate. Progressive will handle filing your SR-22 to you by the DMV, and it will also file the form to cancel or terminate your SR-22 about 10 days before it expires. You can call anytime to talk to a representative if you have questions or concerns.
Geico: While lacking as robust an information page we expected a big name company, Geico offers a comparable level of service as progressive as regards handling of your SR-22. It also stresses that you can pay the filing fee by Geico, which is convenient for those who do not want to deal with the DMV.
Esurance: This car insurance company has an information guide towards SR-22 certificate that rivals progressive. However, Esurance will drop into the status of your policy was issued. Although it offers a lot of information on the site, the company is not as convenient with helping to lay and maintain your SR-22 as Geico or Progressive.
It is good to keep in mind that even if you get a slightly higher quotes from one company to another, the benefits to receive assistance more dedicated to maintaining your SR-22 during the 3 years you are required to have it could do to pay a little more. To learn more about auto insurance, visit our review page of auto insurance.