subject: How Can I Afford Sr22 Insurance? [print this page] Because of your DUI conviction, you are now considered an at-risk driver. You understand that it is a reasonable designation. You took a risk when getting behind the wheel of a vehicle after you"d been drinking, and now the state and insurance companies have labeled you as high-risk. But now that a substantial amount of time has passed, you are ready to get your license reinstated by filing an SR22. You knew that SR22 insurance was going to be a little pricey, but no one prepared you for just how expensive it would be. Now you want to know where you can find cheap SR22 insurance.
The realistic answer is that it is not going to be easy. One way is to begin by paying the higher costs and keep your driving record clean. Many insurance companies will offer you the opportunity to prove that your risk has been reduced. You begin by paying the more expensive insurance rate, but as you continue to have a clean driving record, those rates get progressively cheaper and cheaper until you have cheap SR22 insurance.
Another way to get cheap insurance or, at least, cheaper insurance, is to ask for quotes from various companies. Although it is true that many companies will refuse you coverage altogether because of your high-risk status, there are companies that are willing to insure at risk drivers. Pricing among those companies can be competitive, so shop around.
You may also be eligible for discounts because of a defensive driving course. Check with your insurance carrier to see if a defensive driving course or a driver safety course can reduce your rates. If you are still in school, many insurance companies will give you a discount for good grades. You might find cheap SR22 coverage if you keep your grades up.
Whatever your current situation, it is important to maintain your insurance coverage and a good driving record. There will come a time when this whole SR22 business is behind you, and you will no longer have such a worry about finding cheap insurance. In the meantime, however, you need to do all that you can so that you do not find yourself in this situation again. Take the initial steps to turn your situation around, avoid high-risk behaviors, and become the safest driver that you can be. It may not result in improved insurance rates right now, but in the future, you will be able to find cheap insurance wherever you go.
by: maxstephon
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