Drivers in Washington looking for SR-22 insurance can benefit from learning more about what SR-22 insurance is and how to get it. SR-22 insurance is a certificate that drivers who have exhibited risky driving practices are required to obtain. Some of the incidences that might qualify as high risk driving include driving under the influence (DUI), driving without auto insurance, or driving with a suspended or revoked license. In Washington and many other states, drivers that have engaged in risky driving practices such as these will need an endorsement on their auto insurance policies.
If you have received notice from Washington State Department of Motor Vehicles that you are required to carry SR-22 coverage, then you will need to contact your auto insurance provider. Your auto insurance company will file the SR-22 form on your behalf and you will need to pay the associated filing fee. Once the fee is paid, you can get SR-22 insurance which stands as proof that you are carrying the required minimum levels of auto insurance.
Not all auto insurance companies in Washington are required to offer SR-22 insurance to their customers. For this reason, many drivers end up having to switch auto insurance providers so that they can obtain the required coverage. When it comes to getting SR22 insurance, it is important to be aware that this type of coverage usually comes at a higher price.
Obtaining SR-22 insurance in Washington will be more costly than a standard auto insurance policy. Learning what to expect when it comes to the cost of insurance will help drivers to be financially prepared for this additional cost. In DC, drivers can expect to see a 56% increase which equates to an additional $1,687 a year according to insurance.com. This is because auto insurance companies will view the driver as a higher risk and then will charge a higher monthly premium as a result.
Since SR-22 insurance tends to be significantly higher than a standard auto insurance policy, it helps to know how to get the cheapest SR-22 insurance in Washington. The best way to get the most affordable car insurance in Washington is to compare quotes from different auto insurance providers. Once you have compared various quotes, you will have a better idea about which insurance companies offer the most cost effective rates.
There are different types of SR-22 insurance that drivers will be required to maintain for some time. Learning about the different types of SR-22 insurance available can ensure that you get the correct type of SR-22 insurance for your situation.
Non-Owner SR-22 Insurance: Drivers can save a lot when it comes to getting SR-22 insurance if they opt to get non-owner SR-22 insurance. If you are required to have SR-22 insurance but it isn't offered by your auto insurance company, you can buy it with a second auto insurance company by getting non-owner SR-22 insurance. However, it's important to be aware that your non-owner SR-22 auto insurance will not cover your personal vehicles. This is because it includes an exclusion for any automobiles that are owned and regularly used and so it doesn’t count as duplicate coverage. This type of insurance is ideal for drivers who rent a car or who borrow a vehicle occasionally and still need SR-22 insurance when they drive.
Owner SR-22 Insurance: Owner SR-22 insurance is required for drivers who own a vehicle and who are mandated to carry SR-22 coverage. The owner SR-22 insurance will cover the primary vehicle of the driver that is operated regularly. The current auto insurance provider may or may not offer owner SR-22 insurance so it may be necessary to switch auto insurance providers or to take out a secondary policy with another company.
Operator & Owner SR-22 Insurance: Operator and owner SR-22 insurance is a combination SR-22 insurance that is used for drivers who own or lease their vehicles and who also rent or borrow cars on occasion.
For a driver to maintain SR-22 insurance, they will need to continue to pay for the SR-22 certificate every month. Although this is an additional cost, it is a requirement for drivers who have become classified as risky drivers. Each time that the auto insurance policy renews during the SR-22 mandate, it will be necessary to fill out the SR-22 form again to keep it current. SR-22 insurance is usually required for about 36 months while in some instances it may last up to 72 months. If a driver fails to maintain the SR-22 insurance coverage, then they will risk losing their driver’s license.
Washington has minimum insurance requirements which drivers will need to maintain to legally operate their vehicles on public roadways. The required coverage limits for liability are as follows:
$25,000 per person for bodily injury liability coverage
$50,000 per accident for bodily injury liability coverage
$10,000 for property damage liability coverage
$25,000 per person and $50,000 per accident in underinsured motorist bodily injury coverage
If you are required to have SR-22 insurance, it is necessary to maintain the state’s minimum liability coverage. With the minimum converge in place, you can be sure that you are remaining in compliance with laws in your state.