Do's and Don'ts of Getting an Ohio SR22 Bond Quote Online

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 SR22 Quote  with Lyles Insurance here if you own a Vehicle



Get an SR22 Bond Quote with Lyles Insurance here if you Don't own a Vehicle




Related Blog Articles:

​Video: Ohio BMV Reinstatement Fee Amnesty Initiative

SR22 Bond in the Portsmouth Ohio area: FAQ’s

What is an Ohio SR22 Bond?

---