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

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.

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

Officials tout ignition interlock system for repeat DUI offenders

By Mark Leberfinger, mleberfinger at altoonamirror.com

POSTED: October 26, 2007

HOLLIDAYSBURG — About 200 drivers across the region go through a similar ritual every day.

They open their vehicle’s door, sit down, put the key in the ignition and blow into a tube. The vehicle won’t start if alcohol is detected on the driver’s breath.

That precaution, known as ignition interlock, is in place because each of the drivers is a repeat drunken driving offender.

Officials from PennDOT, state police, the Pennsylvania DUI Association and the Blair County DUI Task Force demonstrated the ignition interlock system Thursday at the PennDOT garage on North Juniata Street.

A judge doesn’t mandate the interlock system for a DUI conviction; PennDOT does under state law.

Not only do drivers have to use the interlock system for a year, they also pay for the cost of installing, monitoring and maintaining the system in their vehicles. The costs are about $1,000 each, Cathy Tress of the DUI Association said.

 More here: http://www.altoonamirror.com/page/content.detail/id/501245.html?nav=742

Many people mistakenly think they will be unable to find and buy cheap auto insurance.  Those who have been required to carry form SR22 with their auto insurance, drivers who have a reckless driving conviction, a DUI conviction, or automobile operators with lots of negative points on their driver’s license tend to think that cheap auto insurance is impossible to get and that no car insurance company will give them a low cost auto insurance quote.

High Risk Drivers and Preferred drivers can both spend a lot of time searching for reasonable priced insurance.  Thumbing through the yellow pages and calling multiple insurance agents numerous times can be a tedious and time consuming way to get auto insurance quotes. Time wasted sitting in insurance company lobbies can quickly eat up any savings a driver might finally be able to earn by hunting for the cheapest car insurance available.  Insurance companies claiming to save time and money may actually eat up much of that savings if you have to visit their office.

Cheap auto insurance quotes are the holy grail of insurance shoppers.  Car insurance companies can afford to spend hours wheeling and dealing to get you to pay an inflated price for automobile insurance. Internet quotes for car insurance may be the solution.  The advent of Internet based Insurance quote shopping sites now requires the auto insurance industry to become more competitive just like other businesses. Searching for cheap car insurance quotes at your local insurance company allows you to access everything you need to locate cheap auto insurance quotes. Car insurance websites on the Internet can provide you with all the information you need to quickly and easily obtain cheap auto insurance quotes.

Shopping for cheap auto insurance quotes online from the comfort of your own home or office is convenient and simple and saves time, frustration and money.

Visit Serenity Insurance Group online to see whether Cheap Auto Insurance could be in your future.

Keeping Your SR-22 Active

Keeping the SR22 on-file and active with the state (DMV, DPS, DOL) is essential for keeping your driver’s license.

When an SR-22 insurance policy cancels for any reason, the SR22 is cancelled with the state and the driver’s license is immediately suspended.

Paying your monthly premium on-time, or even early, keeps the state from receiving negative notification about the SR-22.

Paying the renewal bill as early as five to ten days in advance helps in many states where the DMV watches for lapses at renewal time.

Steve Baumann
Customer Service Manager
Serenity Insurance

Sample SR-22 Form

This sample SR-22 form for the state of CA is what your insurance agent may issue for you as proof of auto liability coverage to meet the sate requirements for an SR-22. This form is what you need to present to the DMV to reinstate your driving privileges along with your reinstatement fee.

An SR-22 may be required of you if you are arrested and/or convicted of a DUI/DWI, Negligent Driving, or perhaps a “Wet Wreckless” and who are in a program and who want to get their driving privileges back.

To get your driver’s license back after your arrest or conviction you must do these 3 things:

1. Pay a re-issue fee

2. Show proof of financial responsibility (SR-22)

3. Show proof of enrollment in an approved DUI program.

Proof of insurance must be kept for a term of up to three years (from the date of your suspension being over). Proof of insurance must stay active (and there is no need to keep re-submitting an SR-22) if you do not cancel the coverage or get dropped during that 3-year time frame. The insurance policy that the SR-22 is filed under must remain in effect. If for any reason the policy is no longer in force the insurance company is REQUIRED by law to notify the DMV. This may result in IMMEDIATE suspension of your driving privileges and another re-issue fee by the DMV.