3 Tips To Remember If You Need SR-22 Insurance

If you have been caught and convicted for driving without insurance or another serious traffic citation, there is a chance that a judge has ordered that you carry SR-22 insurance in order to keep your driver's license or in order to get it back after a suspension. This is not actually a different type of car insurance at all -- instead, it is an obligation for your insurance company to submit certain paperwork to your state's Department of Motor Vehicles that states that you carry constant insurance on your vehicle. For best results during the time period in which you're required to have this additional coverage, it's important to remember a few tips.

1. Some Insurance Companies are More Forgiving

A lot of insurance companies issue SR-22 certificates, but almost all of them are going to charge you an additional premium for this service. Just remember that some insurance companies are a bit more forgiving about this type of thing and can charge lower rates. In some cases, the differences in premiums from company to company can be drastic. It's a good idea to shop around and to look for carriers that advertise that they offer this type of insurance if you want to find the best rate. Don't be afraid to switch companies if you find another SR-22 insurance provider that will offer you a better deal while still providing you with sufficient coverage.

2. There are Still Options for Cutting Costs

You may think that you have no choice but to pay sky-high premiums for your insurance until you are no longer required by your state to hold SR-22 insurance. This does not have to be true, though. You can talk to your insurance agent for different options for reducing the cost of your policy, such as removing non-essentials (such as towing or rental car insurance) or raising your deductibles. You can always switch things back after you stop needing an SR-22 certificate.

3. Don't Skip Out on Your SR-22 Insurance Obligation

It can be tempting to switch back to regular coverage once you have secured your initial certificate, but you should remember that your insurance company is obligated to communicate with your state's DMV. Skipping out on your obligation by not paying your premiums or by attempting to switch to "regular" auto insurance before you are allowed to can have serious consequences, such as the loss of your driving privilege.

Visit a website like http://www.greatnortherninsuranceagency.com to learn more.