Drivers who need to purchase auto Insurance after they have broken their state’s driving laws will have a more difficult time finding cheap car insurance than most, especially if they are required to file an SR22 insurance form. The best way to find out how low premiums can go though is to compare quotes from a variety of companies that have the capability of filing an SR-22 form.
A comparison website like ours here at Cheap Insurance will make it easy for people who have, for example, been driving without their state’s Minimum Liability Coverage to find a company that will insure them for a reasonable rate. These websites will send your information to companies that can insure high risk drivers and will then respond to the applicant with a variety of quotes that fit their specific situation, including quotes for SR22 insurance.
The SR22 filing typically costs drivers more because companies consider those who let their policies lapse and drive unprotected as high risk. In other words, if they are willing to risk causing an accident without the state’s minimum Liability Coverage, they may be riskier in their other driving behaviors as well. This could mean that they are more likely to speed or drive recklessly and therefore cause more accidents.
Being the cause of an accident puts points on the drivers’ records and causes their companies to have to pay a lot of money for bodily injury and property damage claims. Most companies will quote high rates to these people. However, if they take the time to compare quotes from companies that specifically cater to these types of drivers, they may be pleasantly surprised about the quotes they can receive.
In the beginning, it will be difficult for people who need the SR-22 filing to find cheap car insurance but if they patiently follow all of their state's rules and compare quotes, it does not have to be a difficult process.
