If you need an Ohio SR22 bond to reinstate your license, finding affordable coverage may seem difficult. A lot of auto insurance companies do not go easy on drivers who require SR22 filings, or have major violations on their driving record. Also, many auto insurance companies are pulling out of the greater Portsmouth area.

      But fortunately here in southern Ohio there are still a lot of auto insurance companies that will go easier on drivers who need an SR22 filing. The best way to get the cheapest rate, is to simply quote with multiple insurance companies that specialize in SR22's. The most efficient way to do that is to quote with an independent agent like myself who specializes in SR22 insurance, and has several SR22 friendly companies to quote you with. Lyles Insurance has been specializing in high risk auto insurance here in the Portsmouth area since 1989, when my father started the agency. Since then, both he and now I have found a good mix of just the right companies.

       Once you get a quote with multiple auto insurance companies, you might be surprised how much lower your rate can be. That's because when you quote with more than just one auto insurance company, you have that many more chances of getting a lower rate.

For anyone living in the Portsmouth area which includes not only Scioto county, but anyone living in Ohio as well. I have found several companies that sell here in the southern Ohio area.  Between all of them, I'm sure I can find you a company with a rate you can afford. You can either click on one of the two links below to get an Ohio SR22 quote online. Or feel free to give me a call at 740-574-2618.

I handle all quotes personally and privately, and I do not share or sell your information to anyone.


Click here to get an Ohio SR22 bond if you own a vehicle.




Click here if you want to get an SR22 bond if you DO NOT own a vehicle.

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SR22 Bond in the Portsmouth Ohio area: FAQ’s

Finding the cheapest auto insurance liability coverage can be a little tricky in the Commonwealth of Virginia, if you drive a motor vehicle that doesn't warrant comprehensive and collision coverage, .

     Most auto insurance companies in Virginia focus on customers who own newer cars. That's because auto insurance companies know that comprehensive and collision coverage brings in much more premium. So their primary focus is not on older vehicles that really only need liability coverage.

     This can sometimes cause headaches for consumers who are only looking for liability auto insurance, without comprehensive and collision coverage. Finding the lowest rate can be challenging simply because many companies target a different audience.

      Fortunately, there are many other auto insurance companies who are willing to step in and fill in the void. There are still plenty of companies that go easy on auto liability insurance.

      The key to getting the cheapest auto insurance liability quote in Virginia is simply to find the right company. The most efficient way to do that is do get quotes from an independent auto insurance agent.

     Going through and independent agent is much more efficient because you do not have to shop one auto insurance company at a a time. Any independent auto insurance agent like myself would be happy to do the shopping around for you.

    If you would like to get a quote with my agency, simply click on the link below and fill out one short quote form. I will then run your quote through my auto insurance companies and find you the company with the best rate. And as always, I handle all quotes personally and privately.


Get an Online Virginia Auto Insurance Quote


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Acquiring snowmobile insurance in Michigan is relatively easy. But getting the right coverage at the right price can be a bit more challenging. Many snowmobile owners simply attach their snowmobile onto their homeowners insurance policy. Be warned, coverages are not the same when attached to a homeowners policy as if you bought stand alone snowmobile insurance coverage. Not even close!




     These are the top 7 reasons why a snowmobile in Michigan is better off insured with a stand alone policy than it is being attached to a homeowners policy. Most all of stand alone snowmobile insurance policies have these coverages listed below, but a snowmobile attached to a homeowners insurance usually offers only limited coverage, or no coverage at all on any of these:

1. Many homeowners policies provide coverage for a covered snowmobile only on your own property. It does not cover you away from home.
2. Many homeowners policies will only cover snowmobiles used to service the property. "Service the property" is basically a $5 buzz phrase that means recreational use is not covered! Who owns a snowmobile but doesn't use it for recreational purposes?
3. Most homeowners policies do not provide any type of medical coverage for a snowmobile accident. Although some provide a minimal amount of coverage, none provide uninsured/under-insured motorist protection, or medical payments coverage.
4. Roadside assistance. You would be amazed at how little this coverage costs for snowmobiles.
5. Free accessory coverage included with comprehensive and collision coverage (up to a limit which varies by company).
6. Trailer coverage to haul your snowmobile. 65% of all snowmobile owners use a trailer to transport their sled.
7. Total Loss Coverage. If you have bought a brand new sled, many stand alone snowmobile insurance policies will offer total loss coverage, which would buy you a new sled of the same make and model in the event of a total loss.

.......... from checking out the list above, you may  be very surprised to see how little coverage your snowmobile insurance policy covers when attached to a homeowners policy. What may surprise you even more is the fact that the cost of stand alone snowmobile insurance coverage is really not that much more,if at all.


If you would like, I will be happy to quote you with the insurance companies I have that carry snowmobile insurance. All companies are stand alone snowmobile policies and they all offer most, if not all of the benefits I've listed above. And as always, I handle all quotes personally and privately.




Click here to get a fast online Michigan snowmobile insurance quote.


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 When it comes to the Commonwealth of Virginia, requiring an FR44 insurance filing as a result of getting a DUI is very expensive. Virginia is one of only two states that have FR44 filings (Florida being the other). To put it nicely, when it comes to auto insurance, Virginia is very hard on DUI's compared to most states. Fortunately, there are still auto insurance companies out there who are more forgiving, and go easy on DUI's and other major violations when it comes to auto insurance rates.


    What is FR44 insurance?


      An FR44 isn't insurance at all. It is a state filing that attaches onto an auto insurance policy. It is simply a guarantee to the state that you are actively carrying at least double the state minimum liability auto insurance requirement in the Commonwealth of Virginia. If you are familiar with how an SR22 filing works, an FR44 works exactly the same way, except that it requires the double the state minimum limits, whereas an SR22 only requires the minimum. Other than the FR22 requiring double the liability coverage, there is no other difference between the two.




    So how do I find the cheapest FR44 rates?
     
       The best thing to do is to go through an independent agent that specializes in high risk auto insurance. Whether you choose to get an online quote or get a quote by phone, an independent agent can do the shopping around for you to find the best rates. Whether you need an SR22 or an FR44 filing, the companies that go easy on high risk drivers usually go through independent agents.




   How do I get an FR44 auto insurance filing set up?


      That depends on whether or not you own a vehicle (or have a vehicle registered in your name):
     

• If you own a vehicle, you simply need to take out a regular auto insurance policy, and have the FR44 attached to it.

     

• If you do not own a vehicle, you will need to take out what is called a named operator policy, and attach the FR44 filing to it.

        Either way, any high-risk independent auto insurance agent can help you with either of those. It's just a matter of finding the right company for getting the lowest rate.


      If you would like to get a quote with my agency, I will run your quote through all of the leading high risk companies that I have and find you the company with the cheapest rate. I handle all quotes personally and privately. I do not share or sell your information to anyone.  . Simply click on one of the two links below to get started .




Get an FR44 Insurance Quote here if you own a vehicle.


Get an FR44 Insurance Quote here if you do not own a vehicle.




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So you're at the final stages of your license suspension, and you are real close to having your license reinstated. Once you place an Ohio SR22 bond into effect, you're good to go! Keep in mind that the advice I'm giving here is assuming the following:

• You've met all of your required obligations.
• You've served your suspension time (or at least been granted special driving privileges).
• You've paid your fines and paid your reinstatement fee.
• You've jumped through any other hoops that either the court or the BMV has required you to jump through.

    The final thing that you need to do to get your license reinstated is to put in an Ohio SR22 filing into effect. You do this buy either purchasing regular auto insurance or a financial responsibility bond, depending on whether or not you own a vehicle (more about that later).


The most common questions I get concerning Ohio SR22 filings include:


How long before my license is valid again once I purchase the SR22 Bond?


You have two options of how to file your SR22 filing: The fast way or the easy way.




The fast way process involves you making a trip to your nearest Ohio BMV reinstatement center. With this process, once you buy a policy with an SR22 attached to it, I can email or fax you out the SR22 paperwork you need within minutes. You then take the paperwork to the BMV personally, and they will process your SR22 and reinstate your license right then and there. (Note: I do realize that many Ohio BMV reinstatement centers have very long lines to wait in, so I'm using the term "fast" very loosely here).


The easy way is to simply do nothing. Once you purchase an Ohio SR22 filing, the insurance company will automatically file your paperwork to the Ohio BMV electronically. The turnover time in which this part is done varies from company to company. But most generally, it is filed if not immediately, it is filed at the end of a business day or first thing the next morning. It is the turnover time that the Ohio BMV takes to process your SR22 paperwork that takes the majority of the time. But in most cases, they generally get everything taken care of within one business day.




    Can I purchase an SR 22 bond and reinstate my license on the same day?


      Yes you can. Of course, this is assuming that you are going to choose the fast method and that you have bought the bond early enough in the day to be able to print out your paperwork and take it to the BMV to have it processed. In some cases, you may also be able to be reinstated on the same day using the easy method. However, that is really pushing it.  More than likely it will be the next business day before the SR22 processes via the easy method.


      How should I set my Ohio SR22 Bond up?


    This depends on whether or not you own a vehicle. Vehicle owners need to purchase a regular auto insurance policy, and attach the SR22 filing to it.  Non vehicle owners need to purchase a financial responsibility bond (a named operators policy or broad form named driver policy will work also) and attach the SR22 filing to it. If you're looking to get an SR22 quote, I have provided links for both below.


     Once I purchase the SR22, can I go ahead and drive?


    Absolutely not!  ....  Until the BMV processes your SR22 paperwork, your license is still officially suspended.  So if you get pulled over, the police are still going to pull up that your license is suspended when they run your license number. So before you get behind the wheel, make absolutely sure that your license has been processed and is valid again. You can easily check to see if your license is valid by visiting the Ohio BMV website.




     If you would like to get an Ohio SR22 quote with my agency, the companies I carry do all transactions in real time, and email the Ohio BMV very quickly. Once I receive your quote information, I will run your information through my auto insurance companies and find you the company with the lowest rate.


To get a fast online Ohio SR22 quote, click on one of the two links below:




Click here for an Ohio SR 22 quote if you own a vehicle.




Click here for an Ohio SR22 if you do not own a vehicle.


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What is an Ohio SR22 Bond?

This is a question that I've been getting a lot lately. The answer depends on what type of policy you currently have (in other words, what type of policy the SR22 filing is attached to) and more specifically, the amount of liability coverage you are carrying. If you are only carrying the current state minimum limits, then yes, your rates will go up because your level of coverage will increase. Here's how it breaks down:


     Current Minimum Requirement:

• Liability bodily injury coverage pays up to $12,500 for any one person injured.
• Liability bodily injury coverage pays up to $25,000 total for all persons who are injured.
• Liability property damage coverage pays up to $7500.

     New Minimum Requirement (effective Dec. 22, 2013):

• Liability bodily injury coverage pays up to $25,000 for any one person injured.
• Liability bodily injury coverage pays up to $50,000 total for all persons who are injured.
• Liability property damage coverage pays up to $25,000.

      
     So with the new limits doubling bodily injury coverage, and more than tripling property damage coverage, you might think that rates will skyrocket..... However, you might be very surprised to find out that even with the new increase in coverage, your rate won't increase by nearly as much as you think.... Not even close in most cases!


     
     One thing you need to understand about liability coverage: Auto insurance liability coverage is non-unit priced. By being non-unit priced, I mean that double the coverage does NOT equal double the price. Depending on what other coverages you have, going from the old state minimum coverage to the new state minimum will only be an increase in the range of 5-25% for most drivers.


     Who will be affected by the increase?
Most people who carry regular auto insurance already have higher than the old state minimum limits, so it won't affect your rate unless you chose to carry liability coverage that is less than the new state minimum.
Financial Responsibility Bonds, however, will see an increase because the bonds only cover the old state minimum limits. So they will need to be adjusted upwards at the new limits.
With a Named Operator (non-owners) policy or a Broad Form Named Driver policy, like regular auto insurance, it depends on what auto liability coverage you chose. As long as you're at the new state minimum or higher, you're good to go.


    So What happens before and after December 22, 2013?
(this is assuming that you have less liability coverage than what the new state minimum requirements will be)
       
       If you already have auto insurance:
      If you choose to do so,  you are locked into the old state minimum limits until the policy is up for renewal. If your policy renews before December 22, you can lock yourself in for another policy term at the old rate. Then once December 22 or later passes, and your policy is up for renewal, at that point you have to take the higher coverage.

      
       If you currently do not have auto insurance: 
      As long as you take out a policy on December 21 or sooner, you can lock yourself into the old state minimum limits for as long as the policy period lasts. Some policies for auto insurance go six months, some go 12. Either way, you are locked into the old rate until the policy is up for renewal as long as you started the policy effective prior to December 22. If you wait until December 22 or later to buy a new policy, then you have to take the new state minimum limits.

  Three more points:

• As I've mentioned before in earlier blog posts, I think that state minimum auto insurance limits are garbage coverage!  Even at the new state minimum limits, it will only protect you in minor accidents. It will not protect you adequately in major accidents.  It is very easy for an injured person to rack up $25,000 in medical bills real quick!  Just a two or three day stay in the hospital can exceed that. I can't stress this enough. State minimum auto insurance liability limits are inadequate for major accidents. You've been warned! That's all I have to say about that.

• Another thing to keep in mind is that while the conditions I've listed above are simply what the state mandates, that doesn't mean individual auto insurance companies have to follow the state mandated minimum guidelines. They can be more proactive if they want.  For example, if you're buying a new policy, some companies may require you to go ahead and take the new state minimum limits prior to when they're required to. That is their choice. These are just the minimum deadlines mandated by state law.

• Financial Responsibility Bonds are still for the most part only being offered at the old state minimum limits at this time. But most auto insurance companies will very soon be offering the new state minimum levels for those who want higher coverage prior to when it's required.

     Summary: This change has been long overdue. In fact, the old state minimum requirements were set in the late 1960's. Ohio is just now catching up to par with most other states. Companies are just now figuring out how they are planning to adjust to the new higher limits. Some companies will be more lenient than others as far as charging for higher coverages. So if you see a dramatic spike in your rates above what is reasonable, you may want to shop around for a better deal.


     To get an Ohio SR22 Quote, click on one of the links below. And as always, I handle all quotes personally and privately.




 Get an Ohio SR22 Quote here if you own a vehicle.




Get an Ohio SR22 Quote here if you do not own a vehicle.


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What is an Ohio SR22 Bond?

If you have filed major claim(s) on your mobile home or manufactured home insurance recently, you may have been surprised to get a notice of cancellation shortly after. But the fact is, this is happening more and more often. Companies are turning away from insureds who file major claims on their mobile home insurance.
     
      This is especially true if the claim was the result of a fire, a liability claim from a dog bite, or any other high dollar claim (the thresholds vary from company to company, but in general, the threshold is usually around $4000). Any major claim that pays out a substantial amount of money could risk your policy being canceled at renewal.


    
    This is especially distressful for those who have financed their mobile home and are required to carrry mobile home insurance. Where do you go now? The last thing you want to do is have the bank force their mobile home insurance on you, and add the premium to your mortgage payment (ouch!). You never want to do that unless you just absolutely have to.


    
      Fortunately there are some companies out there who are a little more forgiving about having a major claim on their mobile home insurance. I can help you find mobile home insurance through a couple different channels. Some mobile home owners have given up and already switched to their state's Fair Plan.....  But before doing that, I have found some mobile home insurance companies who are a little more forgiving as far as claims are concerned.

    
      When filling out an online mobile home insurance quote, be sure that you are accurate as possible with providing claims information. If not, you're going to get an inaccurate quote that will be adjusted before the policy starts. That's because mobile home insurance companies will run what is called a CLUE report. These CLUE  reports show any insurance claims you have made including how much was paid out, an what type of loss and the date of loss.




     Will my premium go up after a claim?


The honest hard answer for this is yes. When you file a major insurance claim of any kind your rates usually go up. But with mobile homes, the claim seems to be that much more drastic in the eyes of insurance companies. However, getting quotes with multiple companies will lease give you your best chance at getting a lower rate.

      
Can I do anything to lower my premium?


       The best thing you can do to lower your premium would be to raise your deductible. Granted, you will be paying more out-of-pocket expenses on any future claims. At least you know the risks are calculated versus lowering coverages on other parts of the policy.


       If you would like to get a mobile home insurance quote, simply click on the link below and I will run your information through my mobile home insurance companies. I handle all quotes personally and privately and do not share or sell your information to anyone. I will do my best to find you the company with the lowest rate.






Get an Online Mobile Home Insurance Quote


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When it comes to getting an online Ohio SR22 bond quote, I see many of the same mistakes being made over and over. This causes people to sometimes either not get an accurate quote, or not get the right type of coverage they need. You need to know a few things before you get an online quote for an Ohio SR22 bond. Thus I have created a list of Do's and Don'ts to help someone who needs an SR22 navigate their way to finding the cheapest SR22 bond without all of the hassles:


Do's

• Get a quote with an independent insurance agent that has several companies that are friendly about writing an Ohio SR22 filing. By friendly, I mean that they don't charge you an arm and a leg just for the SR22 filing. Many insurance companies do that simply because they don't like to fool with SR22 filings. However, there are many companies who are SR22 friendly and go easy on the rates even with a few dings on your driving record. The key is to get a quote with an independent insurance agent who carries several of the SR22 bond friendly companies .

• Make sure you fill out the right quote form. The main point here is, if you are own a vehicle, then you need to have your SR22 filing attached to a regular auto insurance policy. If you do not own a vehicle, you need to attach your SR22 filing to financial responsibility bond (a broad form named driver policy or a named operator's policy will work also).

• When you get an online Ohio SR22 bond quote, be sure that you list your violations and accidents on your driving record as accurately as possible. And try to the best of your recollection, come as close as you can to the date the accident/violation occurred.

• Keep track of when your Ohio SR22 filing requirement expires. A time will come when you will no longer need to carry an SR22. It's important that you keep that date in mind. Cancel it too early, and your license will be suspended. Cancel the SR22 too late and you are needlessly paying extra money.

• Here's another quick tip. If you're looking for the cheapest rate your two best options for saving the most money in the long run is wither by paying the entire six months in full, or setting up automatic bank withdrawals. With most companies, these savings are quite substantial.

Now let me get into some of the don'ts:


Don'ts

• Don't fill out a quote form for an Ohio SR22 bond on any website that you do not see an agent or agency name, phone number, address etc. Any online auto insurance quote form that doesn't have those prominently listed on their website is merely a lead generation site. What happens is, when you fill out that quote form, they don't sell you insurance. They simply sell your information to dozens of their insurance agents.  This will cause your phone to ring off the hook! It's one thing to get quotes from multiple companies. It's another thing to have a dozen agents calling you nonstop. If you get a quote online for an Ohio SR 22 bond, make sure that you're quoting with an insurance agent and not a lead generation site.

• Don't try to cover up and lie about your driving record. I have this happen to me all the time. Sometimes it's accidental, sometimes it is not. The bottom-line is that before your policy goes into affect the agent is required to run your motor vehicle and CLUE reports with most companies (or the company will run those shortly thereafter). Any violations that you've had or any accident that you've had will show up on that. A CLUE report will show any claims that you've had. So there's no reason to try to bullshit anyone. They will find out!

• Don't give partial information on the quote form. I get many online quotes where only the first name is listed. In many cases, this can actually affect your rate. The reason is is because most insurance companies run soft credit polls. If all you're listing is your first name, you're more than likely going to get placed in the highest credit tier, which will cost you a higher premium.

Get an Online Ohio SR22 Bond Quote here if you own a Vehicle.




Get an Online Ohio SR22 Bond Quote here if you Do Not own a Vehicle.




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SR22 Bond in the Portsmouth Ohio area: FAQ’s


What is an Ohio SR22 Bond?

If you live in PA but require an SR22 filing in another state, finding affordable auto insurance with an SR22 attached can be very difficult. There are three primary reasons for this, all of which compound against one another:

• Many auto insurance companies do not do SR22 filings.
• Of of the companies that do write SR22 filings, many of them will not write the SR22 if it's out-of-state.
• Pennsylvania is one of only about a half dozen states that does not have SR22 filings. Because of this, companies don't have the incentive to integrate SR22's into their policy.

     
    Those things combined are why finding affordable out of state SR22 auto insurance is very difficult. Fortunately, I have found some auto insurance companies who are a little more friendly about writing out of state SR22 filings in the state of Pennsylvania.

The key is simply finding the right company who will both accommodate your out-of-state SR 22 filing and offer an affordable auto insurance rate at the same time. I know that is easier said than done, but I have found some companies that will help.


How much liability coverage do I need to carry?


   That answer depends on which date you need the SR 22 filing from. But whichever state minimum is higher (the state you need the SR22 in or the state minimum in PA, which is 15,000/30,000/5000).

       When it comes to state minimum auto insurance liability requirements, you will find that Pennsylvania is at the very low end of the spectrum. Most states have much higher auto liability requirements. Bottom line is whichever liability is higher between Pennsylvania or the state you require the SR 22 from, you will have to take the higher limits of the two for an out-of-state SR22 to work.




How do I set up and out of State SR22 filing?


   That depends on whether or not you own a vehicle (or have a vehicle registered in your name).

• If you own a vehicle:  you simply need to  get a quote for a regular auto insurance policy with an out-of-state SR22 attached to it.

• If you do NOT own a vehicle:  you will need to buy one is called a named operator auto insurance policy, and attached the out-of-state SR 22 filing to that.

Either way, I can help you find what you're looking for. All you simply need to do is fill out one of the two "forms below. Also in the comments section of the quote form, let me know which state you require the SR22 filing it. I can set you up from there.


     If you are confused by any of this or have any questions before you fill out an auto insurance SR22 quote, simply drop me an email or give me a call and I will be happy to answer any questions you have. The process of finding an out of state SR22 filing in PA is not really all that difficult.  It's just a matter of finding the right companies who are willing to accommodate you. Fortunately, I've got your back!


Get an out-of-state SR22 quote here if you own a vehicle.


Get an out-of-state SR22 quote here if you do not own a vehicle.




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PA Auto Insurance: Stacked vs. Unstacked Uninsured Motorist Coverage FAQ’s

In the Commonwealth of Virginia, even though you may not own a car there still can be situations that arise in which you will need to buy auto insurance. Some of these reasons include:

• Requiring in an SR22 or FR44 state filing, and looking to reinstate your drivers license.
• Needing auto insurance for work purposes.
• If you plan to drive other people's vehicles on occasion, and want to make sure that you have adequate liability coverage in case that the vehicle owner doesn't have adequate coverage.

        In Virginia, the simple solution for all of those scenarios can be easily taken care of with a named operator policy (aka non-owners policy).  Unlike regular auto insurance, a named operator policy does not cover vehicles. It covers only one driver .... the name insured.

       
Liability coverage, uninsured motorist coverage, and under-insured motorist coverage are all mandatory requirements in Virginia, and thus all are included on a named operator policy. But beyond that, nothing else is offered other than medical payments. There is no comprehensive or collision coverage on a named operator policy.




What happens if I purchase a named operator policy and then decide to buy a vehicle later on?




     That answer varies from company to company. But there are basically two ways of handling it:

•  Some companies simply add the vehicle to your policy and automatically convert the named operators policy  to a regular auto insurance policy.

• Other companies will cancel the named operator policy and rewrite it as a regular auto insurance policy. Either way, it's a very simple process that takes only minutes for your agent to complete.

NOTE**** A named operator policy DOES NOT COVER OWNED VEHICLES!!!!




What's the difference between an SR22 and an FR44 filing?
    


        There really is no difference as far as how either filing works. The only difference is that an SR 22 requires the state minimum liability auto insurance that Virginia requires, where an FR44 requires you to carry double the state minimum limits (Virginia requires an SR22 filing of 25/50/20 coverage and an FR44 filing requires 50/100/40). Other than that there is no difference.




Click Here to get a Virginia Named Operator Insurance Quote




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