If you live in one state and need an SR22 auto insurance filing in another state to get your license back, you may have found out that finding the right auto insurance coverage with the SR22 filing you need at an affordable price can be a real pain! There are two main reasons for this: First, not all auto insurance companies offer SR22 auto insurance filings. Second, there are quite a few states that don't even have SR22 filings. So finding an auto insurance company that will sell a policy with an out-of-state SR22 filing attached to it can be even tougher to find.
However, if you're currently living in the states of Ohio, Indiana, Michigan, Pennsylvania, Virginia or West Virginia, I may be able to help you. It doesn't matter which state you need the SR22 in.... as long as you currently reside in one of the above states, I might be able to help you. But first, you need to know the basics of an SR22 auto insurance filing so that you know what type of coverage to buy. You will also learn what levels of coverage you need to satisfy your SR22 requirement. Let's start with the SR22 itself:
What is an SR22 auto insurance filing?
What level of coverage do I need to carry?
This answer depends on both the state you're currently living in and the state that you need the SR22 filing in. You need to look up both states' minimum auto insurance liability coverage requirements. If you need help, any auto insurance agent would be happy to look those up for you.
Whichever of the two states has the higher state minimum requirement, that's the minimum level of coverage that you need to carry. Of course, I recommend you choose higher levels of liability coverage than that. But that is the minimum coverage you will need to get your license back.
Is it ok to carry two separate auto insurance policies, one in the state I need the SR22 in, and the other in the state I live and drive in?
Yes, it is ok to do that. However, it is usually more expensive than simply combining them both on one policy. I have seen some unique circumstances where it was cheaper for drivers to carry two separate policies. But this is very rare because you're needlessly buying two policies instead of just one.... More often than 9 out of 10 times, it is cheaper to combine them together on one policy.
What about drivers who need an SR22 filing but don't own a vehicle?
For drivers who need an SR22 filing but do not own a vehicle, you will need to attach your SR22 filing onto a special type of auto insurance policy. The special type of policy that you need depends on the state that you're living in.
If you live in the state of Indiana, Michigan, Pennsylvania, Virginia or West Virginia, you can apply the same SR22 filing on what is called a named operators auto insurance policy (also known as a non owners policy).
In Ohio, someone who doesn't own a vehicle can apply the SR22 filing onto any of three types of policies: a financial responsibility bond, a named operators policy, or a broad formed name drivers policy. All three types are similar but have their differences. An auto insurance agent will be happy to explain those options to you.
Finding the best price for SR22 auto insurance coverage.
Your best bet in finding the lowest rate for SR22 coverage is to contact an independent insurance agent who specializes in SR22 auto insurance (also known as high risk auto insurance). They will usually have several companies that will compete for your business. What's even better is that they will do the shopping around for you, instead of having you to shop around one company at a time. This is the most efficient and effective way to find the lowest rate.
If you would like for me to run you an SR22 auto insurance quote, I will be happy to find you the lowest rate I have to offer. Click on the appropriate link below:
Get an SR22 Auto Insurance Quote with Lyles Insurance here if you own a vehicle.
Get an SR22 Auto Insurance Quote with Lyles Insurance here if you Do Not own a vehicle.
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Dan Lyles is an Independent Insurance Agent serving Ohio, Indiana, Michigan, Pennsylvania, Virginia and West Virginia..