Car Insurance and SR22 Insurance - Cheap Auto Insurance for High Risk and Preferred Drivers SR-22 SR 22 Car Insurance low cost auto insurance affordable auto insurance

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.

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 Once the Colorado Motor Vehicle Division has been notified that the Colorado SR22 is no longer in effect, but is still required, Motor Vehicle will suspend your license for that reason alone.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.

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.

WHY IS AN SR-22 SO IMPORTANT?

By Tom Black
Serenity Insurance Group

An SR-22 certificate is a proof of financial responsibility. In other words, it serves basically the same purpose as the insurance ID card most drivers carry in their glove compartments.

There is one BIG DIFFERENCE between the normal auto insurance card and an SR-22. If a driver with a SR-22 stops paying for his insurance, that company is required by law to notify the licensing department of that state (DMV, DPS, DOL) and that driver’s license will be automatically suspended, usually with no warning! The result is often an additional ticket for driving while license suspended, and the driver’s insurance policy will have to be re-written, usually with another down payment, and one more point charge for the new citation.

If you have an SR-22 proof of insurance, please do whatever it takes to make your payments, so you don’t have to subject yourself to another hassle with your auto insurance.

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.

Getting Cheap Car Insurance after a DUI or DWI

Getting Cheap Car Insurance after a DUI (Driving Under the Influence) or DWI (Driving While Intoxicated) conviction tends to be challenging. Cheap Car Insurance companies tend to not want to even provide quotes for those who have been accused of or convicted of a DUI or DWI. offense. Those that will provide a quotation tend to quote extremely high premiums.

For a first-time DUI offender, this is particularly shocking. In most states, you are required to be insured to get your license back. Often an SR-22 is required by the State Department of Motor Vehicles in order to provide proof of insurance. The SR-22 is required for anyone guilty of a DUI or DWI who wishes to obtain a restricted license. Many insurance companies take advantage of that fact and raise your rates through the roof. In order to improve your rates for car insurance, you might need to look at quite a few different companies offering Insurance. A lot of individual factors go into determining the cost of an automobile insurance policy.

Many insurance companies check your financial stability, your driving record, and your claim history prior to offering insurance. All of these variables are used together to create an insurance score that is used to rate and price your policy. When you have had a DUI or DWI and are shopping around for insurance be sure to use a company that provides quotes from multiple insurance company providers. This will make it easier to obtain insurance that is affordable and that meets your needs for appropriate coverage.

Cheap Car Insurance is available directly from Serenity Insurance Group’s quick quote form on their website, from Serenity’s fast and friendly agents by live chat with an agent online, by a one click request for an agent to call you or by calling them directly at 1-800-774-0520.

Another California SR 22

In Southern California there another SR 22.

This is also probably not what you are looking for if you are searching for SR 22 Insurance.

This SR 22 is a freeway cutting across the Southern portion of Orange County, California.

It is called State Route 22 (SR22) or the Garden Grove Freeway. It begins in the City of Orange at SR 55 or the Costa Mesa Freeway (State Route 55) and runs east west across Orange and Los Angeles Counties to Long Beach.

The California Streets and Highways Code Section 301-635 declares SR 22 to be:

Route 22
322. Route 22 is from:

(a) Route 1 near Long Beach to Route 405.

(b) Route 405 to Route 55 near Orange.

If what you really are looking for to satisfy your need for cheap car insurance after a DUI or DWI conviction, then you will want ot call 1-800-774-0520 or visit the Serenity Group Website and chat live with an agent or have an agent call you.

Press Release: Source: Cheap Auto Insurance

Arizona Drivers Have New Options for Cheap Auto Insurance

SCOTTSDALE, ARIZONA   November 23, 2007   Insurance News

(PRLEAP.COM) Phoenix AZ November 23, 2007 — Serenity Insurance Group helps drivers with less than perfect driving records, such as tickets, accidents, suspensions, international driver’s licenses, and those who need SR22 insurance in Arizona and 46 other states. Visit Serenity’s Web site here: Auto Insurance and chat live with an agent or call 1-800-774-0520 toll free for an immediate rate quote.

For over fourteen years Serenity Insurance has provided cheap auto insurance, SR-22 auto insurance and high risk auto insurance in 47 states.

This is fantastic news for those who need an SR-22 or have a history of tickets and accidents. Most Arizona drivers find it difficult to obtain cheap car insurance. Serenity makes it simple for all Arizona drivers to find affordable rates quickly and without stress by using advanced auto insurance rating techniques. Applicants are rated with sixteen different insurance companies and provided with quote comparisons to find the most favorable rates and terms for automobile insurance.

Rather than going to one company and getting a quote from each of them, Serenity’s experienced agents will rate the customer with all 16 companies to find the best rate and situation for that person. Serenity has extensive experience finding cheap auto insurance for all customers and SR22 insurance is not their only business. Serenity can offer complete insurance packages for the homeowner as well.

Serenity’s agents are bilingual as well. Serenity has a large customer service staff to assist customers rather than having the customer call the insurance company directly.

Serenity has provided insurance for tens of thousands of customers throughout the US. Cheap auto insurance has become one of Serenity’s specialties and their agents are becoming known throughout the industry as the experts in finding the companies who can provide the least expensive rates. Innovation is also one of Serenity’s attributes. Serenity can quote and complete a purchase for auto insurance in less than 7 minutes. All transactions can be completed via the internet, with the help of agents to secure the least expensive and best insurance scenario for the customer.

Serenity can also provide cheap car insurance quotes for preferred drivers and those with perfect driving records. Make your next auto insurance shopping experience stress free and surprise yourself with the low rates and excellent customer service provided by Serenity Insurance Group.

Whether you need an SR 22,have been unable to obtain auto insurance due to a less than perfect driving record or even if your driving record is spotless call Serenity today and obtain proof of insurance immediately.

Serenity’s Online Quote request form

Contact Information

AZhttp, Inc.
Arizona High Tech Talent Partnership
480-998-0246

The SR22 Form for DUI insurance is not the same as the Cirrus SR22.  That SR22 is an airplane.

 Here is some news about the other SR 22

Four Killed In Minnesota SR22 Crash

By Mary Grady, News Writer, Editor

A Cirrus SR22 was on its second try to land at the Faribault airport in southern Minnesota on Sunday afternoon when it flipped over and burst into flames by the side of the runway. All four on board were killed.

More here:  http://www.avweb.com/avwebflash/news/CirrusSR22_Crash_FaribaultMinnesota_196677-1.html