How Do I Get Cheap SR22 Insurance?
Reader question:
How do I get cheap SR22 insurance?
Winston
Thanks for your question, Winston.
I find that a lot of people who have SR22 auto insurance coverage are a little paranoid. They want to have cheap SR22 insurance, but at the same time they want to be protected, and being high risk drivers they feel that it’s better to have the most amount of coverage so that they don’t end up paying even more in the case of an accident. This is an understandable fear, but it is also unnecessary. One of the best ways to get cheap SR22 insurance is to get as little insurance as possible.
- Check your state’s minimum.
I advise that all drivers carry some kind of insurance, even if their state doesn’t require any at all. Of course, for those looking for cheap SR22 insurance, this problem is moot, because they are required to have insurance. When you want to find out what the best amount of coverage is to have for your cheap SR22 insurance policy, the answer is right before your eyes, under your state minimum liability requirements.
- Why shouldn’t I get full coverage?
There are some cases when you have to find out other ways to get cheap SR22 insurance, such as when you are buying a car. In this case, you are required to have comprehensive and collision, and often even gap insurance along with your cheap SR22 insurance coverage. If this is the case, there isn’t much you can do in this area.
It might also be in your best interest to get full coverage if you have an expensive or high performance car which would cost far too much to repair or replace.
However, if you have a car that is worth less than a thousand dollars, then there is no excuse for you to get more than the cheap SR22 insurance minimum liability coverage. Even if your car is worth more than that, it might not be necessary. Think about how well you drive. You’ve already learned your lesson, right? If you were a good driver before your drunk driving conviction, you probably don’t have a big chance of getting into an at fault accident so long as you practice defensive driving.
Cheers,
Fashun Guadarrama.
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