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A SR22 filing lets the Department or Motor Vehicles (DMV) know that a driver has the minimum insurance coverage required under law. Usually a SR22 is required when a driver's license has been suspended. A driver license can be suspended for a number of reasons including 5 years of unpaid parking tickets, repeated failure to maintain liability insurance, a DWI, etc. Having to file a SR22 can cause car insurance rates to rise for two reasons. First, insurance companies are allowed by state laws to charge a filing fee. The filing fee varies by state but it's usually any where from $15.00 to $25.00. Second, a suspended driver's license reflects poorly on a driving record. If the driver's license was suspended due to a first time offense for failing to maintain liability insurance a driver's SR22 rates will be lower than a driver who is on their second DWI conviction.

There are a few ways to decrease SR22 car insurance rates. First, a driver should get as many SR-22 car insurance quotes as possible. Drivers can call on the phone to get quotes or use the internet. Getting car insurance quotes is always free of charge. Second, ask if the insurance company has any discounts available for SR22 filers. Third, see if there are any car insurance companies in your area that specialize in high risk SR22 car insurance.

When a driver finally chooses a car insurance company to file their SR22 car insurance it's important to read the paperwork. Look at the coverage and any provisions the insurance company may have particularly for SR22 coverage. Only when a driver is satisfied with the price and the coverage should he or she sign the SR22 paperwork.

A driver should also check their DMV paperwork to see if he or she is required to also file the SR22. Some states require a driver to mail in a copy of the SR22 insurance paperwork. In conclusion, the best way to get decent SR22 rates is to compare quotes from a variety of insurance companies.

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Referred by: http://www.franchisefix.com/

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