Affordable and Quick SR‑22 Insurance
If you’re working to overcome a DUI violation or similar situation, understanding SR-22 insurance and finding the right policy might seem overwhelming. Let us make it easy for you.
What is SR‑22 Insurance?
An SR-22 is essentially a certificate that proves you have a certain level of car insurance coverage. It's often required after certain driving offenses like DUIs or multiple traffic violations. When you're required to get an SR-22, your insurance company files it with your state's Department of Motor Vehicles (DMV) to confirm that you're meeting the minimum insurance requirements. Without an SR-22, you might not be able to reinstate a suspended license or fulfill other legal obligations related to driving privileges.
Who Needs an SR‑22?
Determining whether you need an SR-22 certificate typically depends on the specific driving violations you've been involved in and your state's laws. Your state is required to notify you of your SR-22 requirement, but you may be able check your requirements on the state’s official driver’s administration website. Here are some common reasons why you might need an SR-22:
- DUI/DWI/OWI or other Intoxication Related Driving Offense
- Driving Without Insurance
- Serious Traffic Offenses
- License Suspension or Revocation
- Court Order or DMV Notification
If you’re having trouble finding out if you need an SR-22, give Breathe Easy a call at 833-786-0237. One of our licensed agents can help you find out if you have an SR-22 requirement.
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No Vehicle? No Problem.
Breathe Easy can help individuals who don't own a car but need SR-22 insurance. We offer non-owner SR-22 policies specifically designed for this situation. These policies provide liability coverage when you drive a vehicle that isn't yours or regularly available to you, ensuring you meet the minimum insurance requirements mandated by the state for SR-22 compliance. Our streamlined process, affordable options, and ongoing support make it easy for you to get the SR-22 coverage you need, even if you don't own a car. Contact us today to learn more and get started with your non-owner SR-22 policy.
Getting Your SR-22 Quickly and at Money‑Saving Rates from Breathe Easy
At Breathe Easy, we understand that dealing with a DUI charge can be overwhelming. That's why we've designed our SR-22 process to be straightforward and a fit for your needs. Here's how we help you get the best auto policy and your SR-22 certificate:
Personalized Help
Comprehensive Coverage Options
We work with lots of dependable insurance carriers that insure drivers in your situation, so we can provide you with a wide range of insurance options. We help you choose the policy that best suits your needs and budget.
Affordable Rates and Flexible Payment Plans
Easy and Fast
Customer Support
Frequently Asked Questions About SR-22
An SR-22 is a certificate that proves you have the minimum required auto insurance coverage mandated by your state. It's often required for drivers who have been convicted of serious driving offenses like DUIs or driving without insurance.
No, SR-22 insurance is not a separate policy but rather a certificate attached to your existing auto insurance policy. It serves as proof of financial responsibility and is submitted to the state by your insurance carrier.
The duration of SR-22 insurance requirements varies by state and the offense. Typically, it's required for a minimum of three years, but it can be longer depending on the circumstances. During this period, the insurance company will keep the state updated on your car insurance policy renewals and cancellations to ensure you maintain consistent coverage. Breathe Easy can help you understand the specific duration needed in your case.
Allowing your SR-22 policy to lapse or canceling it prematurely can result in serious consequences, including license suspension or additional fines. It's crucial to maintain continuous coverage until your SR-22 requirement is fulfilled. This can be a challenge if your long-time insurance carrier decides to end your coverage after your DUI.
The cost of SR-22 insurance can vary widely based on factors like your driving history, location, and the insurance company you choose. On average, the SR-22 filing itself can range from $15 to $50 per month. However, the actual total cost increases significantly due to higher premium rates after a DUI or similar violation, as drivers required to file an SR-22 are classified as high-risk. This classification leads to much higher premiums compared to a standard insurance policy. Additionally, you may still face higher premiums even after the SR-22 requirement has been lifted.
Breathe Easy will help you get the necessary SR-22 documentation so you can get back on the road. We’ll help you understand what coverage you need, find you the best coverage at the best available price, and provide tips on how to keep your costs low. Once you’ve purchased an insurance policy, we file your SR-22 certificate with the DMV. Call Breathe Easy at 833-786-0237 to get a free, no-obligation quote.
Yes, you can switch insurance companies while maintaining your SR-22 status. However, it's essential to ensure that your new insurer is willing to file the SR-22 certificate with the state on your behalf. Breathe Easy can help you transition from your previous policy to one that’s a perfect fit for someone working to overcome a DUI/DWI.
Get Started with Breathe Easy Today
