Getting hit with an SR-22 penalty can be tough. The SR-22 is essentially a Certificate of Financial Responsibility which is filed with the state government. It is required when you must prove that you carry car insurance. You may have been told by a traffic court judge that you must file an SR-22 because you were convicted of drunk or reckless driving, were caught without car insurance, or any number of other traffic-related offenses. Having an SR-22 can really drive up your automobile insurance rate, and if you're already on a tight budget, the change can be massive. Here are a few things you can do to get a more affordable rate when you need SR-22 insurance.
Purchase A Different Car
Your sleek sports car or foreign big body luxury vehicle might be a dream to drive under normal circumstances. However, when you have to carry SR-22 insurance, that same automobile could turn into a burden. You have to think of ways to get your car insurance under control, and a good way to accomplish that is to switch over to a different vehicle.
There are a number of factors that go into determining how much you'll pay for auto insurance. The make and model of your car is a huge part of the overall calculation. If you drive a car that has the ability to go super fast or one that will cost a lot to repair in case of an accident, you are likely paying much more than you would be in a different ride.
Switch over to a car with major safety features. Aim for anti-lock brakes, a rear-backing camera, and sensors that sound off when you are driving over traffic lines. The drop in your premium could make the change well worth it!
Take Advantage Of Every Discount
Your insurer likely offers discounts for things that you may have passed up on in the past. Making automatic payments or paying the entire premium at one time are two common ways to save.
Call your insurance company and ask the representative to go through the list of discounts with you. There could be a few lesser-known savings opportunities that you can take advantage of.
The good news is that you probably won't have to keep SR-22 insurance forever. Use these suggestions to get the discounts now so that you can conserve more money until you can release the SR-22 for good.
Contact a company like Illinois Insurance Center Inc for more information on getting SR-22 insurance.
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