California SR-22 Filing
A “high-risk” driver is generally defined by the insurance companies as someone who has a higher risk of having an auto accident. Auto insurance companies often see high-risk drivers as undesirable, as they may end up costing a great deal in claims. California drivers who are convicted of certain violations, such as a DUI or reckless driving, may be required to purchase SR-22 insurance in order to get their driving privileges reinstated. California SR-22 Filing.
SR-22 filing is a document that your insurance company provides to the California Department of Motor Vehicles (DMV) which tells the DMV that you are covered by the minimum level of insurance. If you don’t own a car, but intend to continue driving, you would have to purchase a non-owner SR-22 policy, which provides liability insurance coverage.
California law prohibits companies from canceling your car insurance policy or increasing your rates in the middle of the policy term; that protection expires when the policy comes up for renewal. At that point, having an SR-22 requirement may lead to nonrenewal or higher rates.
Why You May Be Defined As A High-Risk Driver?
- You have multiple accidents or tickets during a specific period of time.
- You have a DUI
- You have a serious violation
- Any accident that results in a fatality
- Driving without a license
- Driving without insurance
How To Get Insurance If You Need A SR-22 Filing
Here are the types of acceptable insurance or financial options
Most auto insurance companies that are licensed in California can provide an SR22 filing. In fact, we have a network of top companies that compete for your business by providing the cheapest quotes online to compare. Try the service by clicking here.
- Auto liability insurance
- An Owner’s policy certificate that covers the financial responsibility for vehicles owned by the motorist.
- Surety bond for $35,000 from a company licensed to do business in California
How Long Is An SR22 Insurance Form Required?
The good news in all of this is that the SR22 requirement doesn’t last forever, just one to five years. The length varies by state, and in some states according to the offense. When the violation falls off your driving record, your car insurance rates will go down as well.
Additional Information
- If you move out of California, your driving requirements, you will drive according to state rules.
- In order to reinstate a California Driver’s License, you must, show proof of financial responsibility and pay all charges and fees to your DMV.
- Always look for an authorized SR22 licensed Insurance Agent.
It is a privilege to drive, and filing a SR22 gives you a second chance to drive a vehicle again. While the SR22 is required for three years, if you are diligent in paying your premiums and have followed all the regulations, you should have no problems.
Tips To Save On Your Auto Insurance
As an independent agent, we can shop many auto insurance companies and bring you the best possible combination of price, coverage, and service. There are a number of things that we consider to help you get the best auto insurance for your needs.
- Taking advantage of low mileage drivers — Some auto insurance companies will give discounts if you drive less than a certain number of miles or drive less than a certain distance to work.
- Your vehicle will also determine your overall insurance costs — Some cars are more inviting for thieves, and some cars are more expensive to repair. It makes a lot of sense to do an adequate amount of research before you make your auto purchase.
- Does your insurance company know the exact vehicle you own? — Many manufacturers offer somewhat similar model names for vehicles, but insurance costs may vary. Additionally, the difference between a two-door and a four-door, or providing the wrong model designation, can impact your auto insurance quote.
- Consider your deductibles — If you are a safe driver, you will, over time, save more money by raising your insurance deductible.
- Discounts offered — We check to make sure that you are benefiting from all the discounts offered.
It’s easy to save on car insurance. Just call (619) 276-0492 or request a quote ONLINE, and Wayne McCormick will provide you:
- Rate quotes from up to 40 nationally known auto insurance carriers (e.g., Mercury, Travelers, Safeco, etc.) with A.M. Best ratings of “A” or better
- Online access to your car insurance policy.
- Access to insurance savings for your home or rental property—even life insurance and wedding insurance!
- Personalized help via phone anytime you need it via (619) 276-0492
- In-person consultations at our San Diego Bay Park office (across from Mission Bay Park).