WHY IS AN SR-22 DIFFERENT THAN THE INSURANCE CARD I NOW CARRY?

UNLIKE A NORMAL INSURANCE ID CARD, THE SR-22 IS PROOF TO THE STATE MOTOR VEHICLE DEPARTMENT THAT THE OFFENDER IS COMPLYING WITH THE COURT ORDERED FINANCIAL RESPONSIBILITY OR INSURANCE. IF A PERSON REQUIRTED TO CARRY AN SR-22 LETS THE INSURANCE LAPSE FOR ANY REASON, THE INSURANCE COMPANY MUST NOTIFY THE STATE OF THIS LAPSE. THE STATE WILL THEN AUTOMATICALLY SUSPENDS THE DRIVER’S LICENSE WITH NO NOTICE.

Credit Score Can Impact Car Insurance Rates

Quite often we find that people do not realize that many car insurance companies will look at credit scores to determine what your car insurance rates will be. What this means is that the Master Card bill you failed to pay and was charged off or your home going into foreclosure could very well be keeping you from getting the best car insurance premiums, Cheap car insurance quotes might be denied to you because your credit is bad. You should also know that companies in California are not allowed to use credit scores to determine rates.

There may also be errors on your credit report which can help to lower your score. If you think this may be the case then you should obtain a copy of your credit report to check if there are any errors affecting your score. If you find this to be the case, then you will need to talk to your creditors to get them corrected. By doing so, you will greatly improve your score and should get better rates on your car insurance premium.

Note: One way to keep your credit score clean in today’s economy is to be sure that you do not lose your home to foreclosure. If you are having trouble making mortgage payments due to rising adjustable rates, resets, loss of a job, or other reasons, you have the opportunity to work with a foreclosure counseling service to attempt to prevent foreclosure. Many states have set up foreclosure counseling programs and some have hotlines for this purpose.

In Arizona, the Governor recently announced a statewide hotline and the number is 1-877-448-1211

The nationwide HOPE Hotline is provided by The Homeownership Preservation Foundation and the phone number is 1-888-995-HOPE

WHAT IS AN SR-22?

AN SR-22 IS A DOCUMENT SHOWING PROOF OF FINANCIAL RESPONSIBILITY, OR PROOF OF INSURANCE. THIS DOCUMENT IS GENERALLY ORDERED BY STATE MOTOR VEHICLE DEPARTMENTS (DMV, DOL, DPS, ETC) FOR PEOPLE WHO HAVE HAD SERIOUS OR FELONY MOTOR VEHICLE CITATIONS.

THESE FILINGS ARE USUALLY MANDATED FOR DUI, FELONY DUI, AND AT-FAULT MOTOR VEHICLE ACCIDENTS WITHOUT AUTO INSURANCE.

AN SR-22 IS NOT AUTO INSURANCE, BUT SIMPLY PROOF OF AUTO INSURANCE.

According to the State of Colorado, an SR22 is a rider to an insurance policy. The Colorado State Department of Revenue states that in order to get your license back after having certain suspensions or revocations, or to keep from getting your license suspended you may have to file the SR22 form.

They go on to declare that the way you “file” a form SR22 in Colorado, as well as in many other states, is by going to an insurance agent and buying liability insurance and asking the agent to include the SR22 form.

Once the liability insurance and the SR22 have been bought, the form gets filed with the Colorado Motor Vehicle Division. You can bring it down yourself. Not all insurance companies have this form.

The Colorado SR22 site states that the form itself is not an insurance policy but a guarantee by the insurance company that you will keep insurance in effect for a certain period. If you don’t keep the Colorado SR22 current, the insurance company will notify the Motor Vehicle Division in Colorado. Once the Colorado Motor Vehicle Division has been notified that the Colorado SR22 is no longer in effect, but is still required, Motor Vehicle will suspend your license for that reason alone.

If you decide to change insurance companies, you need to get a new Colorado SR22 filed before the old one goes out of effect.

If you need a quotation for a Colorado SR22 call 1-800-774-0520 or fill out our simple form.

DUI REDUCED TO RECKLESS OR NEGLIGENT DRIVING

By Tom Black Serenity Group

Many DUI offenders have a good reason to have an attorney plead their case down to a Wet Reckless citation or a Negligent Driving ticket. Often, a person who uses a vehicle in his or her occupation will lose his or her job if convicted of a DUI. In these cases, taking the Wet Reckless or Neg Driving makes sense.

The insurance industry looks at these tickets differently. Most companies try to base their rates on actuarial science; that is, the odds of accidents happening within certain driving groups or age classifications.

The companies that insure DUI offenders and provide SR-22 certificates charge more premiums for the “lesser” violations of Wet Reckless or Negligent Driving than a DUI. They are assuming that these drivers are more likely to have a serious accident than a DUI offender.

Be aware of the upside and downside of your decisions after you are arrested.

Whether you are a preferred driver looking for cheap car insurance or a high risk driver required to carry Form SR 22 insurance, Serenity Insurance can meet your needs. Do you need affordable car insurance right now? Put us to the test! We work with a large number of companies to get the most competitive auto insurance rates for our customers.

Call us now toll free at 1-800-774-0520 or fill out an car insurance quote request.

Testimonial for Aida Sosa

Good Morning,

I just to relay my appreciation for the job Aida did for me. I have been having issues with the DMV regarding proof of insurance. This was going on since march. After explaining my delema to Aida she took the ball and got it straightened out. She kept in communication with me and also the DMV to resolve this frustrating problem. It is great to do business with professional people like Aida. Please relay my gratitude to her for going the extra mile for me.

Thank you

David

RECEIPT AND BREAKDOWN OF PREMIUM

—————————

Nancy,
Thank you so much for investigating a way to lower our premiums with out me even calling and asking! It’s a rare occasion to get this kind of customer service!! I have an Arbonne business and would like to thank you with a free sample of swiss formulated skin care products if you would like to use them for 5 days and enjoy. Just send me you home address and tell me a little bit about your skin type. (IE dry, fine lines, acne etc)
Thanks Again!
Karen

—–Original Message—–
From: Nancy
Subject: RECEIPT AND BREAKDOWN OF PREMIUM

Karen,

Please see attached your receipt and breakdown of premiums. If you need anything else, please do not hesitate to call me.

I will contact you again about the end of September to see how we can reduce your premium.

Thank you,

Nancy
Licensed Insurance Counselor
Serenity Group Inc
P O Box 2205
Spokane, WA 99210

Cheap Car Insurance for Illinois Drivers

From a testimonial:

A lady from Illinois (Chicago area) was paying $156 for liability car insurance and she get quoted by one of our cheap car insurance specialists and was only charged $56 .

She was with State Farm in Illinois previously and Serenity Insurance Group was able to provide her with a much lower rate by shopping our large number of insurance companies for the best car insurance rate for her circumstances.

Illinois Drivers - Don’t pay too much for car insurance - call our Cheap Car Insurance specialists today at

1-800-546-5470

WHAT DETERMINES YOUR INSURANCE RATES?

By Tom Black
Serenity Insurance Group

Have you ever moved, changed cars or jobs, only to find that your auto insurance premium jumped? Part of that rate increase could be due to one of many factors that are used to compute your insurance costs.

Where you live-people who live in more rural, or less populated areas within the same state generally have lower insurance costs. The companies figure that being around fewer people makes your likelihood of an accident less.

YOUR AGE-statistics show that people who have more driving experience have less accidents. Young drivers and young males in particular, are many times more likely to be involved in an accident than a person with 10 or more years driving history. (If you are a student, having a good grade average can help lower your premium)

YOUR DRIVING RECORD-the companies hire actuaries who determine your chances of getting in an accident. The more tickets you have on your record, actuaries have shown the more likely you will cause a wreck. Obviously, more serious tickets like Negligent Driving, Reckless Driving, and DUI drive these statistics higher. That is why most companies that will issue an SR-22 filing have higher rates for these high risk drivers.

YOUR CREDIT HISTORY-it may be hard to understand that there is a definite relationship with your credit history and your likelihood to cause or be involved in an accident. Some very scientific men have been able to show a direct correlation between your credit and your costs to an insurance carrier.

YOUR VEHICLE-Some cars or trucks cause more damage to other vehicles when involved in a collision. Some cars or trucks are just involved in more collisions. (Sports cars, hot rods, big SUV’s)

The ideal insurance risk (least likely to be in a wreck) would be a 6o year old married person, living in a farming community, who owns his own home, has no tickets, and drives a 2004 Buick LeSabre.

On the other hand, a very poor insurance risk is the 18 year old young man, living in Los Angeles, who is behind on his credit cards, has four speeding tickets and one reckless driving, and is driving a four year old Corvette.

Keep these things in mind when assessing your insurance costs.

Have you ever looked at your auto insurance policy?

When we purchase auto insurance, most of us are looking for cheap auto insurance, or the lowest rate. Of course, we all want to get the most insurance we can for the least amount.

However, an informed buyer is a far smarter insurance client. If you think you got a better deal because you paid less than someone else, be careful. Auto insurance is coverage and protection, and that can vary widely from policy to policy.

LIABILITY-Covers you if you are sued as a result of an at-fault accident-do you have enough coverage to protect your assets?

UNINSURED MOTORIST COVERAGE-pays for medical bills, loss of earnings, even funeral cost if you are injured by a driver with no insurance.

MEDICAL PAYMENTS-this coverage takes care of medical bills, regardless of who is at fault, resulting from a collision, even if you are a pedestrian.

PHYSICAL DAMAGE-Usually referred t as Comprehensive and Collision. This coverage will respond to fix your car in the event of a collision or other peril that may happen. Vandalism and theft, flood and hitting an animal are considered other than collision. Often these two coverages have different deductibles (the amount you must pay before the coverage responds). Often a higher deductible will result in a cheaper rate.

There are other considerations in choosing a good policy. Please be sure you understand who is covered on the policy. Is anyone excluded?

All auto policies have territorial limits, so please be aware. Most policies let you drive in the U.S. and Canada, but not Mexico. If you drive there, you must purchase special insurance for Mexico.

Remember, a smart buyer is an informed buyer. Don’t be afraid to ask any questions when buying your auto insurance, even for SR-22’s

By Tom Black
Serenity Insurance Group

Whether you are a preferred driver looking for cheap car insurance or a high risk driver required to carry Form SR 22 insurance, Serenity Insurance can meet your needs. Do you need affordable auto insurance right now? Put us to the test! We work with a large number of companies to get the most competitive auto insurance rates for our customers.

Call us now toll free at 1-800-774-0520 or fill out an auto insurance quote request.