We have many clients that often call our office by searching for SR22 insurance online. They are often confused regarding the insurance course of action after receiving a DUI. They are stating, "This is my first time, I do not understand the process!" What exactly is an SR22? Will my current insurance provider give me an SR22? How much will it cost? And what are the benefits of going through a company like Breathe Easy Insurance?
Well fist I would like to state, insurance premiums are based on four factors. Your age, zip code, what type of car you drive and your driving record. Obviously if you have been recently pulled over for a DUI your driving record is going to be adversely affected. We consult clients to try and protect their current premium as long as possible. How do you do that you may be wondering. It's simple, file an SR22 with a non owners policy outside of your current insurance policy. Basically, if you get a new renewal try and renew your current policy and then satisfy the DMV by filing your SR22 insurance with a contingency policy. In essence you are going to have two policies. The first policy, your current insurance, to protect your assets and vehicle. The second policy will be filed by Breathe Easy and contain your SR22 to satisfy the DMV requirements.
SR22 insurance is a certificate, or proof of insurance shows you have the minimum state requirements of insurance. Without SR22 insurance, you will not be able to get your restricted license. Your current insurance provider will provide and SR22. However, you are then notifying them or your recent DUI. The DMV does not care where you get your SR22 from. They just want to make sure you have the prober insurance. Going through your current carrier will cost you a lot more money over the long run, because your current insurance provider will raise your premium significantly.
Breathe Easy Insurance specializes in DUI Insurance and SR22 filing. We udnerstand the DUI process and the DMV polocies and procedures. We have helped thousands of people in your current situation. Give us a call and let's see how we can help you.