Cheap SR22 Auto Insurance – Comparing Rates Online
Reader question:
Is it possible to get cheap SR22 auto insurance, or will your rates always go up over time once you initially buy a policy at the introductory lower rate?
Ashley
Thanks for asking, Ashley.
It definitely is possible to get a cheap SR22 auto insurance policy, and even a cheap auto insurance policy if you are convicted for drunk driving. If you have a drunk driving conviction and you don’t have to file an SR22 form for it, then it’s possible that your car insurance company will never be the wiser. A fourth of traffic violations and convictions such as drunk driving don’t even make it to your record because of screw ups by the court and the department of motor vehicles.
Even if your drunk driving conviction does make it onto your driving record, it is also possible that your car insurance company won’t even look at it until the conviction is off. While most car insurance companies make it a habit to look at your driving record every time you renew your policy, many might not look at it for several years on end.
Not telling your car insurance company about your drunk driving conviction is very risky, though. You are required to divulge information about drunk driving convictions and other moving violations, and if they later find out about it and you did not disclose the information, your policy could be cancelled or not renewed.
Even if you do live in a state where you have to file the SR22 form, it is possible to get cheap SR22 auto insurance. Many people are convicted of driving drunk and never see their rates go up at all. Normally, there are two factors that lead to this conclusion.
- Preferred driver class.
The class of preferred drivers is the highest on the risk food chain that you can get. These people are considered extremely low risk and have the lowest car insurance rates around. If one of them has a drunk driving conviction, many car insurance companies will just laugh it off the first time around, and they can get cheap SR22 auto insurance without a single increase.
- Long time company history.
If you have been with a company for a long time, then you might get certain perks, such as a cheap SR22 auto insurance policy. They might do things such as forgive your first accident or your first drunk driving conviction, and you may be able to keep your good driver discount.
Cheers,
Fashun Guadarrama.