Get Cheap SR-22 Insurance in California
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Who Requires An SR-22 in California?
In California, you can keep or reinstate your driving privileges after a serious offense by getting an SR-22. Some of the violations that will require you to get an SR-22 include;
- Failure to pay what a judge says you owe after an accident.
- A DUI conviction.
- If you do not report an accident that results in death, property damage of over $1,000, or bodily injury.
- Reckless driving.
- Suffering wreckage when you are uninsured.
- If your record has more than three traffic violations.
- If you are below 21 years and you drive after drinking.
You may need an SR-22 after a wreck, even if you were not behind the wheel. Also, your driver’s license may be suspended if authorities cannot identify who was driving at the time of an accident, yet you own the vehicle, and it does not have insurance on it. The same can apply if your uninsured automobile causes an accident with no one driving it after rolling away from its parking spot.
If there is a requirement to have an ignition interlock device that prevents your vehicle from starting unless your breath is alcohol-free, you may need an SR-22 as well. Obtaining a restricted license with an interlock device installed in your automobile after a DUI-related or lesser offense of “wet reckless” driving is an option.
SR-22 Insurance can only be obtained through an insurance carrier. SR-22 insurance has a significant impact on your rates in California, and those rates can vary significantly from one company to another.
Limits for An SR-22 Insurance in California
At the minimum, you need the coverage listed below if you are required to have SR-22 insurance in California.
- $5,000 for property damage coverage per accident.
- $15,000 for death or bodily injury per person.
- $30,000 for death or bodily injury per accident.
Note that driving legally in California will not be possible when you fail to file an SR-22 form when you need to do so because that risks suspension of your vehicle registration.
If you need ridesharing insurance, the coverage required is different.
What Is Non-Owner SR-22 Insurance in California?
Drivers in California with a suspended license and major traffic violations may need to purchase auto insurance. Filing an SR-22 will also be necessary to get one’s license reinstated. The same case applies to those who do not own a vehicle. Non-owner car insurance is the ideal option for those who do not own an automobile since typical auto insurance can be expensive.
That implies that such individuals will be covered in the event of another accident, and they can also show proof of liability insurance coverage to get their license reinstated.
There are three categories of financial responsibility in California. These are a broad coverage policy certificate, an owner’s policy certificate, and an operator’s policy certificate, also known as a non-owner SR-22 policy.
Typically, a non-owner SR-22 policy will not be available for those who consistently drive an automobile they do not own, such as a roommate’s or parent’s car. However, when you get the SR-22 policy, you will access necessary coverage if you occasionally drive vehicles belonging to other individuals with their permission.
The reason why non-owner SR-22 insurance is cheaper is that the insurer assumes that you do not drive often, and the only coverage you get, in this case, is for liability only. If you rent or borrow vehicles frequently, you should consider non-owner auto insurance too. Although rates can vary across insurers, the average annual cost for non-owner car insurance in California stands at $932. As such, non-owner insurance allows you to maintain your license if you do not regularly drive, reducing unnecessary expenses.
Requirements for An SR-22 in California
First, understand that an SR-22 impacts your car insurance cost and coverage. For instance, after a DUI conviction in California, standard drivers pay an average of 166% more than car coverage for SR-22 insurance. The minimum period for having an SR-22 in California is three years, but one may need it longer than that, depending on their case and offense.
Remember that throughout the duration of your SR-22 filing, your auto insurance rates will be increased. Also, you will no longer need to file an SR-22 form once you maintain a clean driving record and if you keep it for the required duration. That means that your auto insurance and coverage rates may eventually return to normal depending on your violation. However, DUIs may remain on your record longer.
Additionally, you may have a lapse in coverage during your SR-22 filing period, or you or your insurance firm may cancel the SR-22 insurance. In any of these situations, an SR-26 form can be filed by your insurer. When that happens, your insurer should indicate that you no longer have insurance coverage with the entity. Starting the SR-22 process over again will be necessary if your firm files an SR-26 before completing your SR-22 requirement.
The Cost of SR-22 in California
In California, the average cost of SR-22 rates is $1,592, and they can nearly triple after a DUI. MIS-Insurance offers cheap SR22 insurance that will save you money over the life of your policy. Affordable SR22 insurance is available and we will can help you secure the right policy for you.
The reason is that each insurer uses its standards when evaluating your driving history. On the other hand, California law prohibits firms from increasing rates or canceling your policy in the middle of its term. As much as that is the case, note that such protection expires when renewing the policy, and you may pay higher rates or face nonrenewal if you have an SR-22 requirement.
Anyone with a DUI conviction for 10 years following a violation cannot enjoy a good driver discount. That is the case since California law prohibits insurance firms from extending such an offer to such individuals. So, when you lose the good driver discount, you may eventually pay higher premiums even if your insurer renews your policy.
Most insurers in California charge a one-time SR-22 form filing fee of $25 to $50, and you need at least $125 to get your license reinstated. A DUI will automatically increase your rates without considering additional rate increases and deny you discounts even if you were previously receiving a good driver discount.
For example, instead of paying $100 monthly for car insurance, a driver with no DUI history will only pay $80 monthly, thanks to the 20% good driver discount they receive. That changes after getting a DUI since the driver will now pay $100 monthly, a 25% increase compared to their previous discounted rate.
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MIS Insurance proudly provides Cheap SR-22 insurance in all cities in California including: Los Angeles, San Diego, San Jose, San Francisco, Fresno, Sacramento, Long Beach, Oakland, Bakersfield, Anaheim, Riverside, Stockton, Chula Vista, Irvine, Fremont, San Bernardino, Modesto, Fontana, Oxnard, Moreno Valley, Huntington Beach, Glendale, Santa Clarita, Oceanside, Garden Grove, Rancho Cucamonga, Santa Rosa, Ontario, Elk Grove